ATV insurance is required in many states, and even if your home state doesn’t mandate that you purchase a policy, it’s typically wise to do so. If you don’t, you’ll be on the hook for all damages and injuries in an accident you cause. To protect your finances, it’s important to have adequate insurance coverage. That way, you can focus on enjoying the ride in your off-road vehicle.
The best ATV insurance for you will depend on several individual factors, like your vehicle, driving history, and how often you operate your ATV. To get the lowest premium for you, you’ll want to compare personalized quotes from different insurance companies. But to help you narrow down your options, we’ve evaluated 15 ATV insurance providers based on cost, financial strength, customer service reputation, policy features, discounts, ease of online quotes and policy management, and more.
Best Overall : Progressive
Why We Chose It: Progressive was our overall top choice because of its great financial strength rating, available discounts, and unique coverage features.
A+ financial strength rating from AM Best
$3,000 in accessories/custom parts coverage included with comprehensive + collision
Lots of customization options
Slightly higher than average number of complaints with the National Association of Insurance Commissioners (NAIC)
No pricing information available and no anonymous quotes
Progressive has been in business since 1937 and is the top provider of motorcycle insurance in the country. In addition to ATV insurance, they also offer vehicle, property, life, commercial, and other insurance products, and you can get a discount if you bundle multiple policies with Progressive.
Every full-coverage Progressive ATV policy includes the full replacement cost for parts and $3,000 in coverage for custom parts and accessories. In addition to standard coverages like bodily injury liability protection and collision coverage, you can add total loss coverage, roadside assistance, disappearing deductible, and more. You’ll also get a discount for taking a safety course, selecting certain payment options, or staying accident-free.
While there’s no pricing information online, you can provide your personal information to get a customized online quote or call to speak to an agent. You’ll be able to purchase coverage and manage your policy online as well. Additionally, Progressive offers a discount for an advance quote, so try to get your quote at least 24 hours before you set your policy to start to save money.
The company has an A+ financial strength rating from AM Best and a great reputation for providing customized policies. However, Progressive has a slightly higher than average number of complaints with the NAIC for a company of its size, and customer service reviews online are mixed.
Best for Quick Coverage : Nationwide
Why We Chose It: Nationwide allows you to get a quote online and instantly purchase coverage for your ATV.
A+ financial strength rating from AM Best
Online quote and instant coverage
Several available discounts
Double the average number of complaints with the NAIC
No pricing info available online
Not available in Alaska or Hawaii
With Nationwide, you can get a quote and purchase coverage in a matter of minutes. Once you have a policy, you’ll be able to pay your bills and file a claim online as well. In addition to ATV insurance, you can get homeowners, renters, life, auto, and other coverages from Nationwide, and you’ll get a discount for bundling your policies. You can also get a discount for taking an ATV safety course, insuring more than one ATV, paying in full, having a theft-recovery device, or being a member of a riding association.
Nationwide offers standard coverages like liability, collision, and comprehensive coverage in addition to underinsured/uninsured motorist coverage, medical payments coverage, and an OEM endorsement.
Pricing is not available online, so you’ll need to take advantage of the online quote tool or find an agent to get your premium amount. Nationwide has a helpful breakdown of everything you need for a quote so you can be prepared for the process.
Nationwide has been around since 1926 and has an A+ financial strength rating from AM Best. However, it’s important to note that online customer service reviews are mixed, and the provider has a higher than average number of complaints for a company of its size with the NAIC.
Best Value : Markel
Why We Chose It: Markel had the lowest starting premium of all the companies we evaluated with policies starting at $50 per year, and you can save up to 35% with the offered discounts.
Annual premiums as low as $50
Fewer than average number of complaints with the NAIC
Customer service reviews are difficult to find
Limited customer support hours
Markel ATV policies start as low as $50 per year, and you’ll get discounts for having multiple units, renewing with Markel, taking a safety course, driving safely, and installing an anti-theft device. Markel also reduces your deductible by 25% each year you remain accident-free. However, keep in mind that deductibles start at $500.
You can get a quote online with Markel or call to speak to an ATV insurance specialist. You’ll also be able to file a claim or pay your bill online once you have a policy. You can customize your coverage beyond the standard liability, comprehensive, and collision coverages to include accessory coverage, underinsured/uninsured motorist coverage, medical payments coverage, or funeral expense coverage.
The insurer has been in business since 1930 and has an A financial strength rating with AM Best. Though there aren’t enough customer service reviews available online to make an assessment, Markel has a lower than average number of complaints for a company of its size with the NAIC, indicating good responsiveness to customers.
Best for Discounts : Allstate
Why We Chose It: Allstate offers a handful of discounts that can save you up to 40% on your premium. What’s more, policies are affordable, about $12 per month on average.
ATV policies cost an average of $12 per month
Discounts, including bundling, can save you up to 40%
A+ financial strength rating from AM Best
Higher than average number of complaints with the NAIC
Customer service reviews are mixed
Fewer customization options than other companies
The national average premium for Allstate’s ATV policies is only about $12 per month, in part due to the great discounts Allstate offers, which can save you up to 40% on your monthly premium. The provider also offers auto, home, renters, life, and business insurance, so there are plenty of options for bundling and a multi-policy discount. You’ll also save if you pay in full, set up automatic payments, take a safety course, or own your home.
In addition to standard bodily injury and property damage liability, collision, and comprehensive coverage, you can add towing or custom parts coverage. You’ll be able to get a quote and purchase a policy for your ATV online. You can manage your policy and file a claim online as well, and Allstate features 24/7 customer support.
Allstate customer service reviews on third-party sites are mixed, and the provider has a high complaint index with the NAIC, which indicates an unusually high number of complaints from customers for a company of its size. Still, the company has been around since 1931 and has an A+ financial strength rating from AM Best.
Best for Rental Agencies and Tour Operators : GEICO
Why We Chose It: GEICO is one of the few ATV insurers to offer a multi-vehicle discount that could potentially save you 25% on your premium.
A++ financial strength rating from AM Best
Multi-vehicle discount saves you up to 25%
24/7 customer service
Slightly higher than average number of complaints with the NAIC
No $0 deductible options for collision and comprehensive coverage
No coverage for three-, six-, or eight-wheelers
In addition to full-coverage policies and multi-vehicle discounts, GEICO offers an experienced driver discount, which can be helpful for tour operators and rental agencies. And if you have an auto or RV policy with GEICO, you can get a multi-policy discount as well. GEICO is also ideal for business owners because it offers 24/7 customer service and a robust mobile app that allows you to manage your policies and file a claim.
It’s easy to get a quote and apply for a policy online, and GEICO offers a variety of coverage options. You can get property damage and bodily injury liability coverage, collision and comprehensive coverage, uninsured motorist coverage, and medical payments coverage through the insurer. However, because GEICO doesn’t offer coverage for three-, six-, or eight-wheelers, it may not be the best choice for rental agencies offering a variety of vehicle types.
Once you have a policy, you’ll also be able to pay your bills and file a claim online or with the mobile app.
Although GEICO was recognized as a top insurer in some regions in J.D. Power’s 2020 U.S. Auto Insurance Study, indicating a high level of customer satisfaction, the insurer has both positive and negative reviews on third-party websites. GEICO also has a slightly higher than average number of complaints with the NAIC for a business of its size.
The best ATV insurance provider for you will depend on factors affecting your premium, your coverage needs, and what’s most important to you about a company’s reputation. For example, Markel has few customer complaints, but they also don’t have 24/7 customer service. And while GEICO has the highest possible financial strength rating, certain vehicles are excluded from coverage. Weighing the pros and cons of each company and getting quotes from your top picks will help you choose the right insurance policy for you.
Of all the companies we evaluated, Progressive stood out because of its unique coverages included at no extra charge, its many customization options, and its strong reputation for financial strength.
|Insurer||Wins For||Why We Picked It||AM Best Rating||Discounts|
|Progressive||Best Overall||Unique coverage included in each policy||A+||Safety course, multi-policy, pay in full, responsible driver, advance quote|
|Nationwide||Best for Quick Coverage||Quick and easy to get coverage online||A+||Multi-policy, multi-vehicle, safety course, theft recovery device, full payment, riding association, homeowner|
|Markel||Best Value||Policies as low as $50 annually||A||Multi-unit, renewal, safety course, responsible driver, anti-theft alarm, diminishing deductible|
|Allstate||Best for Discounts||Discounts can save you up to 40% on your policy||A+||Multi-policy, full payment, automatic payments, safety course, homeowner|
|GEICO||Best for Rental Agencies and Tour Operators||Insuring multiple ATVs can save you 25%||A++||Multi-vehicle, multi-policy, experienced rider, anti-theft|
Frequently Asked Questions
What Is ATV Insurance?
ATV insurance is coverage that protects your finances against potential incidents with your all-terrain vehicle. When you incur or cause damages or injuries as a result of operating your ATV, insurance pays for repairs and medical expenses.
Do I Need ATV Insurance?
Some states require liability insurance for off-road vehicles while others do not. You may also need ATV insurance to ride in certain places like state parks. If you’re only using your ATV on your property, it may be covered by your homeowner’s insurance. But if you’ll be driving your ATV away from home, it’s wise to have an insurance policy, even if it’s not required.
ATVs have a high theft rate and are expensive to replace, so it’s a good idea to get a full coverage ATV policy if you don’t want to find yourself in a sticky financial situation.
How Much Does ATV Insurance Cost?
Our pick for best value ATV insurance, Markel, offers policies as low as $50 per year. But you could pay hundreds or even more than $1,000 annually if you add coverage beyond property damage and bodily injury liability coverage.
Collision and comprehensive coverage tend to drive up the cost of your premium even more so than with an auto policy. The limits and deductible you choose will also influence your premium, as will individual factors such as your vehicle, driving frequency, and driving record.
What Does ATV Insurance Cover?
Not every insurer provides the same coverages, but these are some of the ways an ATV insurance policy can protect you:
- Bodily injury liability coverage: Helps pay for injuries to others in an accident you cause
- Property damage liability coverage: Helps pay for damages to another vehicle or property in an accident you cause
- Medical payments coverage: Helps pay for your medical bills, regardless of who caused the accident
- Uninsured/underinsured motorist coverage: Helps pay for medical expenses and repairs to your ATV if you’re hit by a driver without sufficient insurance
- Collision coverage: Pays for repairs to your ATV if you cause an accident
- Comprehensive coverage: Pays for repairs after non-collision incidents, such as flooding or hitting an animal on the road
We evaluated 15 ATV insurance providers based on cost information, financial strength ratings, customer service reputation, coverage options, discounts, policy features, ease of online quotes, and ease of online policy management.
All of the companies we chose allowed for online quotes and policy management, had a great reputation for financial strength, and offered plenty of coverage options and discounts to meet the needs of riders.