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Last updated: January 12, 2026The Best Insurance for ATVs 2026
Progressive, GEICO, Nationwide, and Safeco are a few of our picks for ATVs.
Cheapest
Editor's Rating:
4.7/5
4.7/5
Full Coverage Averages for ATVs
• Annual Premium: $189
• Monthly Premium: $16
Best for Experienced Riders
Editor's Rating:4.2/5
4.2/5
Full Coverage Averages for ATVs
• Annual Premium: $341
• Monthly Premium: $28
Best for New ATVs
Editor's Rating:4.8/5
4.8/5Wondering whether you need insurance to own or lease an all-terrain vehicle (ATV) or utility task vehicle (UTV)? The answer to that question will depend largely on where you live, what time of day you want to ride your ATV, and where you want to ride your ATV, such as private property, public parks, or highways.
Regardless of your local and state laws or where you intend on riding, we recommend getting coverage for your ATV. Like standard vehicles, ATVs are more expensive than they were before the pandemic, and they can lead to costly (and dangerous) accidents. ATV/UTV insurance can help protect you, your vehicle, and those around you in the event of an accident.
For your other vehicles, check out our best auto insurance for motorcycles and our best for RVs.
Below, we’ll cover everything you need to know about the best ATV insurance providers in the country.
Best Insurance for ATVs
- Progressive – Cheapest
Progressive offers the most affordable average rate ($189 annually) for ATV riders. It also comes with several unique add-ons and perks for ATV riders. - GEICO – Best for Experienced Riders
If you’re over the age of 50, you can benefit from GEICO’s experienced rider discount. - Nationwide – Best for New ATVs
Nationwide offers several ways to get added coverage for a new ATV, including coverage for original parts.
Summary of the Best ATV Auto Insurance
- Best ATV Insurance Overall: Progressive
- Best ATV Auto Insurance for Experienced Riders: GEICO
- Best Insurance for New ATVs: Nationwide
- Best ATV Auto Insurance for Expensive Gear: Safeco
Comparison of the Best ATV Auto Insurance
| Provider | Average annual rate of ATV insurance | Original Equipment Manufacturer coverage? | Safe rider course discount? | J.D. Power Claims Satisfaction Study (out of 1,000)1 |
|---|---|---|---|---|
| Progressive | $189 | Yes | Yes | 672 |
| GEICO | $341 | No | Yes | 692 |
| Nationwide | N/A | Yes | Yes | 728 |
| Safeco | N/A | Yes | No | 687 |
Detailed List of the Best ATV Auto Insurance
1. Progressive - Best ATV Insurance Overall
4.7
Editor's Rating:
- Average Rate for Minimum Coverage
- $59 mo.
- Average Rate for Full Coverage
- $172 mo.
- Specialized coverage options for ATVs
- Offers multiple discounts for ATV owners
- Lower rates for military and veterans
Mixed reviews for customer service- Gap insurance won’t necessarily cover full amount owed
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.
Who It's Best For- People who want to upgrade their ATVs with exhaust pipes, lights, and more
- People with accident-free riding histories
- People with new ATVs
- People with expensive equipment on their ATVs, like hunting gear and cameras
Who It's Not Best For- Unsafe riders
- People who don’t need all the additional coverage
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.
DID YOU KNOW?
According to the Consumer Product Safety Commission (CPSC), ATVs make up 92 percent of all off-highway vehicle (OHV) accidents. The latest CPSC data shows an annual average of more than 800 deaths and an estimated 100,000 emergency injuries involving OHVs.2
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.
2. GEICO - Best ATV Auto Insurance for Experienced Riders
4.2
Editor's Rating:
- Average Rate for Minimum Coverage
- $46 mo.
- Average Rate for Full Coverage
- $151 mo.
- Great discounts for customers over 50
- Offers flexible payment options
- Excellent app for managing policies online
- Limited agent presence
- Doesn't underwrite home insurance
GEICO is one of the few providers with savings 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.
Who It's Best For- Riders aged 50 and older
- People with other GEICO policies
- Military members
- People living in the following states where Prime Contract is available:
- Alabama
- Alaska
- Arizona
- Arkansas
- Colorado
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kentucky
- Louisiana
- Maryland
- Minnesota
- Mississippi
- Missouri
- Nebraska
- New Mexico
- North Dakota
- Ohio
- Oregon
- South Carolina
- Tennessee
- Utah
- Virginia
- Washington
- West Virginia
- Wisconsin
Who It's Not Best For- Young riders
- People who ride three-, six-, or eight-wheel ATV/UTVS (GEICO does not insure vehicles with those numbers of wheels)
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.
3. Nationwide - Best Insurance for New ATVs
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $162 mo.
- Plenty of discount opportunities for ATV owners
- Original equipment manufacturer (OEM) parts replacement coverage
- Strong claims satisfaction ratings
- Not available in select states
- Expensive for teen drivers
Nationwide is one of the largest auto insurance providers 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.
Who It's Best For- Members of a qualified riding association
- Owners of new ATVs
- Homeowners
- People who own or lease ATVs (as opposed to renting or borrowing)
Who It's Not Best For- People with a history of traffic violations
- People who don’t want to bundle other Nationwide 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.
- Multi-vehicle 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.
4. Safeco - Best ATV Auto Insurance for Expensive Gear
2.1
Editor's Rating:
- Average Rate for Minimum Coverage
- $67 mo.
- Average Rate for Full Coverage
- $190 mo.
- Gear replacement with all ATV policies
- Offers guest passenger liability with standard coverage
- Excellent financial strength ratings
- Agent-only sales
- Mixed claims satisfaction
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.
Who It's Best For- Homeowners
- People who want to ride with passengers
- People who want to store their vehicles in garages
- People with multiple ATVs
Who It's Not Best For- People with DUIs on their records
- People living in states not served by Safeco, including Delaware and Hawaii
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.
PRO TIP:
Are you looking for reliable gear at an affordable price? Try Partzilla or Rocky Mountain ATV/MC, two of the oldest and most reliable sellers in the ATV market.
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.
Methodology
To identify the best insurance options for ATV (all-terrain vehicle) owners, we assessed companies on the following:
- Price (40%): We analyzed average costs for insuring ATVs, as well as discounts offered for safety courses, security devices, and rider experience. Using the latest industry research and our proprietary data, we identified companies that provide competitive rates tailored to the unique needs of ATV owners.
- Claims Handling (25%): We evaluated claims handling involving ATVs and off-road vehicles using independent sources like J.D. Power reports and CRASH Network’s Insurer Report card.
- Customer Experience (25%): We assessed the overall customer experience offered by insurance providers to ATV owners, leveraging third-party data from J.D. Power, the Better Business Bureau (BBB), and the National Association of Insurance Commissioners (NAIC).
- Coverage Options (10%): We considered the availability of coverage options specifically beneficial for ATV owners, such as accessories coverage, passenger liability, and carried content to ensure adequate protection.
Frequently Asked Questions
For an ATV, you’ll need at least bodily injury liability and property damage coverage. However, we always recommend getting more than minimum coverage, especially since they are involved in nearly all off-highway vehicle accidents.
The minimum requirements for ATV insurance vary by state, especially since ATVs may not be legal to drive on streets in some states. For example, California, Florida, and Wisconsin don’t have specific mandates for ATV insurance. However, you may be required to get coverage for your ATV if you plan to drive in state parks.4
ATV and motorcycle insurance may or may not be the same, depending on your provider. Some insurance providers will include ATV insurance in motorcycle insurance plans, while others will have separate plans for ATVs and motorcycles.
Most home insurance covers ATV usage so long as you are riding your ATV on your own property. However, you don’t need insurance to ride on your own or someone else’s property (if they’ve given your permission to be there).
Most ATV insurance does not cover off-road racing or highway use. If your ATV meets your state’s requirements for standard highway use, you will need an auto insurance plan to ride on roads and highways.
No, most insurance providers do not cover all ATV types. Insurance providers might not cover your ATV if it has a non-standard number of wheels (three or eight wheels), a nitrous kit or other modifications. You can find out if your ATV is eligible for insurance by speaking with an agent or requesting a quote.
Citations
2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyOHV & ATV Safety. U.S. Consumer Product Safety Commission. (2025).
https://www.cpsc.gov/Safety-Education/Safety-Education-Centers/ATV-Safety-Information-Center2024 Property/Casualty Market Share. National Association of Insurance Commissioners. (2025).
https://content.naic.org/sites/default/files/research-actuarial-property-casualty-market-share.pdf</aOff-Highway Motor Vehicle Recreation Division. California State Parks. (2025).
https://ohv.parks.ca.gov/
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