Milwaukee ATV Insurance

Protect your finances with a Milwaukee ATV insurance policy.

Written by Jessica Huneck
Written by Jessica Huneck

Jessica Huneck is an insurance writer from She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.


Wisconsin has great trails for ATV riders, and with so many great riding trails located within two hours of the city, it is little wonder that so many Milwaukee residents consider themselves avid ATV enthusiasts. Whether you prefer taking your side-by-side or four-wheeler for a peaceful ride on the 35 miles of flat, well-maintained Wild Goose State Trail or tackling the Wood County ATV trails in your UTV or 3-wheeler, it is a wise decision to protect your finances with a Milwaukee, WI ATV insurance policy.

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Wisconsin ATV Accident Statistics, 2012

  • In 93% of accidents, ATV operators were not wearing helmets.
  • In 93% of accidents, the operator was not ATV-certified.
  • Alcohol consumption played a part in 40% of all ATV accidents.
  • Most accidents occurred while the ATV was traveling between 20 and 40 mph.
  • 53% of accidents occurred on private land.
  • In the past 20 years, nearly 300 Wisconsin residents have died in ATV accidents.

As an ATV enthusiast, you have likely spent a lot of money on your all-terrain vehicle. A comprehensive ATV insurance policy will compensate you for damage to your vehicle or theft of your vehicle. More importantly, a Milwaukee ATV insurance policy will protect you from liability expenses if you are responsible for an injury or property damage to another while operating your ATV.

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Wisconsin State Laws pertaining to ATV Use

  • No one under 12 may operate an ATV unless the person is on family land and under the direct supervision of someone 18 years or older.
  • Riders under the age of 12 must wear a helmet at all times, except when they use the ATV on their family land or for agricultural purposes.
  • Riders 12 to 16 must wear a helmet at all times, except when they use the ATV on family land, or for hunting, fishing or agricultural purposes.
  • The state requires owners to register their ATVs; there are different registration requirements for public and private-land use.
  • Anyone born after January 1, 1988 must have completed a safety training course to operate an ATV on public land.
  • Operators may not drive their ATVs on roads, except to cross to the other side or for agricultural purposes.
  • Working headlights and taillights must be on when operating an ATV after sunset.
  • Wisconsin does not require owners to have ATV insurance.

Although it is not mandatory, ATV insurance is important. Do not assume that your homeowners policy will provide you with the coverage you need. This insurance is usually very limited and often only applies if the accident, theft or damage to your ATV occurs on your own property. For full and reliable coverage, you need a Milwaukee ATV insurance policy.

Most Common ATV Accident Types in Wisconsin

  • Collision with a fixed object: 33%
  • Vehicle rollover: 26%
  • Collision with another vehicle: 13%

What Will Milwaukee ATV Insurance Cover?

At its most basic coverage level, an ATV insurance policy will provide you with liability protection. Your policy will cover property damage and medical expenses incurred by third parties if you cause an accident while operating your ATV. This liability coverage also provides compensation for any legal fees or court costs associated with a covered event.

You can also add comprehensive coverage to your policy. This covers damage to your vehicle that is not accident-related, such as those caused by theft, vandalism, fire, falling objects or weather.

You may also elect to purchase uninsured/underinsured motorist coverage, which provides you with compensation if an uninsured ATV operator is at fault for a collision in which you suffer injuries or loss. Although ATV insurance is not required in Wisconsin, experts strongly recommend adding this coverage.

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Safety Dos and Don’ts for ATV Operators

  • Do wear a DOT-compliant helmet, goggles, long sleeves and pants, over-the-ankle boots and gloves.
  • Do not operate any vehicle while using drugs or alcohol.
  • Do not allow more passengers than your ATV's design permits.
  • Do not operate an ATV that is inappropriate for your size.
  • Do take an online or hands-on ATV rider safety course.

Finding the Best Milwaukee ATV Insurance Policy Can Be Easy

Insurance professionals recommend that you obtain at least three insurance quotes before purchasing a policy. This allows you to be sure that you are getting a well-rounded policy at a competitive rate. Trusted Choice member agents can make the task of comparison-shopping effortless for you. They can quickly provide you with quotes for several different ATV policies and answer your questions about each so that you can easily make a decision about which policy is best for you

Discover the many benefits of working with a local Trusted Choice® member agent. Contact an agent today for your obligation-free Milwaukee ATV insurance quotes.

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