The Best Insurance for ATVs

If you’re looking for ATV or side-by-side insurance, Progressive will not disappoint. It has all the basic coverage options you could want, several ATV discounts and unique coverage options, such as total loss coverage, to fit your unique needs. If you already have a motorcycle insurance policy with Progressive, you can simplify the sign-up process by adding your ATV to your existing plan.

Unique ATV Perks

Progressive has a few unique coverage options that appeal to a variety of ATV riders. Let’s break down the ins and outs of each coverage type:

• Accessories and custom parts: Just by signing up for Progressive, you’ll get $3,000 in coverage automatically for riding gear and upgrades that you make to your vehicle. If you need more than that, you can add additional coverage for parts and gear, amounting to up to $30,000.
• Total loss coverage for new ATVs: If your ATV is no more than one model year old on a new policy or two model years old on a renewed policy, Progressive will pay the full manufacturer suggested retail price (MSRP) if your vehicle is totaled. If the latest model of your bike costs more than what you paid for, Progressive will pay the MSRP for the newest model (minus a deductible).
• Carried contents: Carried content is a great coverage option for ranchers, farmers, hunters and other outdoor workers. Progressive will protect your camping equipment, hunting gear and any other personal property that could fall out of your vehicle or that you might damage in a covered accident.

Ample Discounts

Progressive offers several discounts to help you bring your ATV insurance cost down, including:

• Safety course discount: If you’ve completed an approved ATV, motorcycle or snowmobile safety course within the past three years, you could be eligible for this discount.
• Multipolicy discount: Bundle your ATV policy with your car, renters’, boat or RV insurance to be eligible for this discount.
• Pay in full: Pay for your policy in full to earn another discount.
• Safe driver discount: If you haven’t been in an accident for the past three years, you could be eligible for this discount.
• Advanced quote discount: You could earn this discount simply by asking for a quote at least one day before the start of your policy.

Partnership with USAA for Military and Veterans

If you’re a USAA member looking for solid ATV coverage, you’re already in good hands. USAA has an alliance with our number one ATV provider, Progressive, to give its members the best coverage they can get.

Alliances with other insurers are a big part of how USAA operates (it works with Markel Specialty for boat insurance, for example) and USAA members benefit from getting all their USAA discounts and perks along with Progressive’s ATV benefits. Coverage, prices, discounts and policy details are the same for Progressive ATV customers as they are for USAA, an organization made up of only military members, veterans and their families.

GEICO is one of the few providers with saving opportunities for older and experienced riders. Depending on your state and driving background, you could be eligible for an experienced rider and Prime Time discount, which we’ll get into below. But you don’t have to be an older rider to benefit from GEICO’s well-rounded ATV policies. With robust coverage options, flexible payment options and excellent customer service, GEICO provides excellent insurance for most riders.

Benefits for Experienced and Older Riders

If you’re an experienced or senior rider, there are a few ways to bring your costs down and take advantage of experienced-rider perks. You can earn a discount specifically for being an experienced rider. Depending on where you live, you may have access to a GEICO Prime Time contract. A Prime Time contract guarantees insurance renewal to older Americans and opens you up to new discounts.

To qualify for a Prime Time contract, you must:

• Be at least 50 years old
• Have no other ATV operators under the age of 25 in your policy
• Have no violations or accidents in the past three years
• Not use your ATV for business purposes

Discounts, eligibility and rates will vary from state to state, so be sure to speak to an agent about what a Prime Time contract can do for you.

Flexible Payment Options

GEICO makes paying for your ATV easier than ever by allowing you to pay your bills at your own pace. You can pay for your insurance:

• All at once
• Through monthly installments
• Through four-month installments
• Through six-month installments
• Through nine-month installments

Although GEICO doesn’t offer any pay-at-once discounts, you can still save money by paying your bills in fewer installments. Each payment comes with installment fee charges, so the fewer payments you make, the fewer times you’ll be charged.

Easy Claims Management

GEICO’s award-winning mobile app and web portal make managing, following, and updating your ATV claims easier than ever. Go to GEICO.com or download the mobile app to report a claim, upload photos of damages, and check the status of past claims.

Not only will you get an intuitive and sleek mobile interface, but you’ll also get one of the most well-reviewed and awarded platforms in the auto insurance industry. GEICO Mobile has a 4.6 rating on the Google Play store and a 4.8 rating from the App Store.

Nationwide is the tenth-largest auto insurance provider in the country and brings its reliability, excellent third-party ratings, and experience to ATV insurance.³ With Nationwide, you’ll get a number of coverage options, discounts, and perks to bolster your ATV plan, especially for riders with new ATVs. From a robust original equipment manufacturer(OEM) coverage and guaranteed repairs to riding association membership benefits, here’s everything you need to know about Nationwide’s ATV policies.

OEM Parts Replacements for New ATVs

OEM replacement benefits are especially important for owners with new ATVs. If your ATV gets damaged, some aftermarket parts (parts not made by the original manufacturer) may not fit your new vehicle perfectly. If you have a new make and model, you’ll have fewer options to find an aftermarket part that does fit with your ATV.

With Nationwide, you can rest easy knowing that your ATV will get repaired with new parts from your original manufacturer. If the original part isn’t available, then Nationwide will issue you a payment based on the fair market value of the new OEM part. Unlike most providers who limit OEM perks to one- or two-year-old ATVs, Nationwide will replace your OEM parts for vehicles up to 10 years old.

ATV Insurance Discounts

• Multipolicy discount: You can earn an ATV discount when you also have auto, home or life insurance with Nationwide.
• Multivehicle discount: Need insurance for your motorcycles, snowmobiles, scooters and other UTVs? Insure them with Nationwide to be eligible for this discount.
• ATV safety course: If you take an approved ATV safety course, you could be eligible for this discount.
• Theft-recovery device: You could save on comprehensive coverage if your ATV has a professionally installed radio or GPS theft-recovery system.
• Paid in full: Pay for 12 months of insurance at once and you could be eligible for this discount.
• Homeowner: You might be eligible for this discount just by owning a home, condo, townhome or mobile home, even if it’s not insured with Nationwide.
• Riding association discount: If you’re part of one of Nationwide’s approved riding associations, you could be eligible for this discount. You can earn this discount with more than 25 national associations that have partnered with Nationwide, such as the American Motorcycle Association.

Several Coverage Options

Nationwide covers all your ATV insurance essentials, including bodily injury and property damage liability insurance, collision coverage, comprehensive, uninsured and underinsured motorist, medical payments insurance coverage and OEM parts endorsement. You get all the coverage for every type of ATV, including three-wheelers, four-wheelers and quad bikes. Want to insure other vehicle types? Nationwide covers, RVs, boats, dirt bikes, mopeds and other power sport vehicles.

While your ATV gear won’t likely be as expensive as your actual ATV, prices for quality will begin to add up. Safeco is one of the few providers that protects all of its customers’ gear, regardless of what kind of ATV plan you have. On top of that, you’ll get all the basic ATV coverage options, a nice selection of discounts, and other ATV benefits, which we’ll take a closer look at below.

Gear Replacement, Same Insurance Rate

Safeco offers an attractive gear protection incentive for its ATV riders. If you have any ATV insurance plan with Safeco, including liability-only policies, Safeco will provide you with up to $1,000 per person and per incident to replace your gear. This includes your helmet, riding jacket, and other safety apparel that gets lost or damaged in a collision.

The best part? This benefit comes at no extra cost, regardless of your plan.

Other Unique Coverage and Incentives for ATV Riders

On top of no-cost gear replacement, Safeco offers a few other unique benefits and coverage options that you may not find with other providers. Along with all of your basic liability, collision, comprehensive and uninsured/underinsured protection, you can get:

• Guest passenger liability: Passenger liability covers medical expenses for an injured passenger while riding with you on your off-road vehicle. This doesn’t include spouses, who your medical coverage will cover automatically.
• ATV garage storage incentive: You can earn a discount just for storing your ATV in a garage or similar secure storage unit.
• OEM parts coverage: Get coverage for damaged parts for all ATVs with four or six wheels and a wide variety of UTVs.

24/7 Roadside Assistance

If your ATV is disabled within 100 feet of a public street or highway, you could call for the aid of 24/7 roadside assistance. A roadside service member will be there to help tow your ATV to the nearest qualified repair shop, refuel your vehicle, offer basic emergency services and more. Roadside assistance is an optional benefit that you can easily add to your plan by speaking to an agent.