ATV Insurance

ATV Insurance and Off-Road Protection Coverage

Whether you ride your all-terrain vehicle (ATV) every day or just once in a while, accidents can happen. Our trained specialists from the AARP^® Auto and Home Insurance Program at The Hartford can help guide you through the details of getting the right coverage.¹To learn more about ATV insurance quotes, call us at 888-546-9099. We’re an insurance company you can count on to help you get the coverage you need at the right price.

What Does ATV Insurance Cover?

Ride your ATV without worrying. Having our ATV insurance coverage means you’re covered with:

Collision coverage that helps pay for physical damage to your ATV, like scratches or dents from a covered accident. With this coverage, you’ll pay your deductible first and your collision ATV coverage will help pay the rest.
Property damage liability coverage, which can help fix someone else’s personal property if you damage it. For instance, this can help pay for damages caused by your ATV to fences, houses or trees.
Bodily injury liability insurance that can protect you if you’re at fault for a covered accident, helping pay medical bills for bodily injuries to people other than you or your passengers.
Medical payments coverage, which helps pay medical care, rehab, recovery and remedial treatment for you or your family after an ATV accident.
Uninsured motorist coverage that can help pay medical costs to you and your passengers if you’re hit by someone who doesn’t have insurance. It also covers these costs if the person who hit you doesn’t have enough coverage.
Comprehensive coverage, which can help pay for any damage to your vehicle up to its actual cash value, minus your deductible, after a covered loss. This includes damage from fire, theft, glass breakage, riots, windstorms and hail.

Depending on how much coverage you need, you can choose to customize your ATV and off-road vehicle insurance policy even more by increasing your limits. If you use towable trailers or sleds with your all-terrain vehicle, you can get equipment coverage for them, too. We also offer optional insurance to help cover your passengers.

Be sure to check your state requirements for insurance to make sure you get the right policies. Keep in mind that not all coverages are available for off-road vehicles in all states.

It’s also important to note the difference between ATVs and UTVs. ATVs are generally used for recreational activities while UTVs, also known as utility terrain vehicles, are used more for work purposes. UTVs are covered by ATV insurance but you’ll likely need to adjust your policy. To learn more, contact us at 888-546-9099.

Ways To Save on ATV Insurance Costs

There are many factors that impact your ATV insurance rate. Some of these are out of your control, while others can help lower your rates.

You can be eligible for insurance coverage discounts by:

Driving safely: If you have violations on your driving history or a record of claims on your ATV insurance policy, your rates may be higher. You can also receive discounts if you take driver training or driving safety courses.
Selecting the right ATV: Larger ATVs with bigger engines are generally more risky and can cost more to insure.
Bundling discounts: With our home and auto insurance bundle, you can get up to 5% off your auto insurance and up to 20% off your homeowners, condo and renters coverages.

Get Your ATV Insurance Quote

If you’re 50 or older, you can qualify for great ATV insurance discounts through your AARP membership. Our ATV coverage offers a range of options so you can find the policy that’s right for you. To learn more about ATV insurance, call us at 888-546-9099. We can help you make the right coverage decisions.

Some of the benefits of getting AARP ATV insurance include our:

24/7 claims hotline with specialists that can walk you through each step of the process. Speak with them anytime at 877-805-9918.
Paid-in-full discount, available when you pay your whole premium up front.
RecoverCare^§ for assistance after an accident, helping reimburse you for essential services you can’t do yourself, like cleaning your home.

Common Questions About ATV Insurance

Some common questions about this coverage include:

Do I Need ATV Insurance During the Off-Season?

In most cases, it’s best to keep your policy year-round. This is because starting and stopping new policies each year is often more expensive.

Do You Need Insurance on an ATV?

In most cases, you’ll need this coverage any time you ride your ATV off your property. Although, it’s still a good idea to have insurance no matter where you’re driving. Either way, it’s best to check the local and state laws in your area to make sure you have the right protection.

Does Homeowners Insurance Cover ATVs?

Homeowner policies generally do not cover your ATV or UTV, which means you’ll need a separate policy.

How Much Is Insurance On an ATV?

The price to insure your ATV can vary greatly. For instance, some ATVs may be a few hundred dollars to insure, while others may be thousands. To learn more and get a free quote today, call us at 888-546-9099.

Coverage for Other Vehicles

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