Wisconsin ATV Insurance

Get Wisconsin ATV Insurance Before You Ride

Independent agents in Wisconsin shop multiple companies to get you the best price on ATV insurance.


The state of Wisconsin has numerous trails and parks where ATV enthusiasts can ride, so it is little surprise that as of 2012, there were more than 293,146 ATVs registered in the state of Wisconsin. Many WI residents use their UTVs and ATVs for farming, ranching, and other work, as well as play. Unfortunately, accidents and injuries involving ATVs are not uncommon, so it is important to have a Wisconsin ATV insurance policy in place.

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ATV Accident Statistics

  • In 2010, more than 100,000 Americans sustained serious injuries in ATV accidents.
  • Approximately 28,000 of those seriously injured were under the age of 17.
  • Between 1982 and 2011, a total of 289 Wisconsin residents lost their lives in ATV accidents.

Though some states have laws that require residents to carry liability insurance for their all-terrain vehicles, Wisconsin does not. However, this coverage can protect you from financial loss, in the event of a collision, ATV theft, or accident-related lawsuit.

Whether you use your ATV for recreation, hunting, or agricultural purposes, having an ATV insurance policy is an important step toward protecting your investment, your home, and your savings from the cost of medical fees, repairs, and litigation.

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All-terrain Vehicle State Laws for Wisconsin

  • Children under 12 must wear a helmet at all times, except if the ATV is being used on their family’s land or for agricultural purposes.
  • Children 12 to 16 must wear a helmet at all times, except if the ATV is being used on their family’s land, for agricultural purposes, or for hunting or fishing.
  • All ATVs must be registered.
  • No one under 12 may operate an ATV on public lands.
  • Children under 12 may operate an ATV on their family’s land only if under the direct supervision of an adult.
  • Those born after January 1, 1988 must have completed a safety training course, unless operating the ATV on their family’s land.
  • ATV use on roads is prohibited, except to cross to the other side or for agricultural purposes.
  • ATVs may not be operated from dusk to dawn unless equipped with headlights and taillights.

Many people think that their homeowners insurance will provide them with coverage for recreational vehicles, such as side-by-sides and four-wheelers. However, the coverage these policies offer may be limited, and is usually only applicable if the accident, theft, or damage occurs while on your own property. For complete coverage, you will need a Wisconsin ATV insurance policy.

What Does an ATV Insurance Policy Cover?

Wisconsin ATV insurance is designed to provide coverage to owners of all sorts of ATVs, including 3-wheelers, quads, and UTVs. It will provide you with liability insurance, which will cover property damage and medical expenses incurred by third parties, if you are responsible for an accident. This liability insurance will also provide compensation for legal fees and court costs associated with covered events, up to the limits of your policy.

You may also go beyond liability coverage by purchasing a comprehensive ATV policy. Comprehensive insurance will cover medical expenses for injuries sustained by your or your passengers, and damages to your ATV. Your policy will provide compensation if your ATV is damaged due to theft, vandalism, fire, falling objects or weather.

In addition, you may elect to purchase uninsured/underinsured motorist coverage, so that you will be covered if an uninsured ATV operator is at fault for a collision, in which you suffer injuries or property damage. Because Wisconsin does not require ATV insurance, this added coverage is strongly recommended.

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Safety Tips for Wisconsin ATV Operators

  • Dress appropriately, including a helmet, eye protection, gloves, long sleeves, long pants, and over-the-ankle boots.
  • Avoid riding on paved roads, as your ATV is not designed to handle well on these surfaces.
  • Never operate your vehicle while under the influence drugs or alcohol.
  • Never allow more passengers than your ATV is designed to carry.
  • Avoid operating ATVs that are not appropriate for your size.
  • Successfully complete an online or hands-on ATV rider safety course.

How Can You Find the Best Wisconsin ATV Insurance Policy?

Most insurance professionals recommend that you obtain a minimum of three insurance quotes before selecting a policy. Trusted Choice® independent agents can simplify this process for you. Because they have relationships with many insurance providers, they can do the comparison shopping for you, and present you with a selection of affordable policies that fit your needs.

Contact a local network agent, and start reviewing your selection of Wisconsin ATV insurance quotes today.

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