ATV / UTV insurance

Mostly ridden off-road, where an auto policy does not reach and a homeowners policy often excludes motorised vehicles off the premises.

Tailor this checklist

A Yamaha YXZ1000R side-by-side utility vehicle on display — ATV / UTV. Photo: Rainmaker47, CC BY-SA 4.0, via Wikimedia Commons (resized)

1Core coverage lines 6
2With every usage option 6
3Liability on the road Own policy
4Lines explained 14

Off-road vehicles fall between the cracks: auto policies do not cover them off-road, and homeowners policies usually cover them only on your own land, if at all. A dedicated ATV or UTV policy is the only reliable cover once you ride on trails or someone else's property.

Liability matters more than the machine's value. Side-by-sides carry passengers, and a rollover with a friend aboard is the claim that costs the most.

Some states require registration and liability insurance for off-road vehicles used on public trails or roads; check before you ride beyond your own land.

The checklist for a atv / utv

Liability (bodily injury and property damage)Pays others for injuries and damage you cause. The state-required part of a motorcycle or motorhome policy; a towable trailer usually inherits liability from the tow vehicle's auto policy.
CollisionRepairs your own vehicle after a crash with another vehicle or object, less the deductible. Lenders require it on financed RVs and bikes.
ComprehensiveTheft, fire, hail, flood, falling objects and animal strikes. For a stored RV or a motorcycle in a shared garage, this is the coverage most likely to be used.
Medical payments / PIPMedical bills for you and passengers regardless of fault; personal injury protection in no-fault states. Many motorcycle policies exclude PIP that auto policies include.
Custom parts and equipmentAftermarket parts, paint, saddlebags, exhaust and electronics, which a standard policy covers only up to a small built-in limit.
Storage / lay-up optionSuspends road coverages while a bike or RV is stored for the season but keeps comprehensive in force.

Rider risk where you live

Injury drives powersports claims. For on-road motorcycles, each state page gives that state's rider deaths per 10,000 registered bikes and its helmet law; the highest rates are in Mississippi (18.9), Texas (17.9), District of Columbia (15.8).

Other vehicles

MotorcycleTwo wheels and no crumple zone: injuries, not property damage, drive motorcycle claims, which is why UM/UIM...SnowmobileSeasonal by nature; a lay-up option keeps theft and fire cover through the summer at little cost.Scooter / mopedWhether a small scooter needs registration and insurance depends on engine size and state; when it does, the...

Coverage descriptions are general, written from standard RV and motorcycle policy forms; your policy's wording governs. No premiums are shown — rates are filed by insurer and state. Checked 2026-10-23. Methodology.