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The Best Insurance for ATVs

All the best rates, plans and providers for your ATV

Best ATV Insurance Overall
Progressive Logo

With coverage options for ranchers and recreational riders, several discounts and customizable plans, Progressive offers perks and protection for every kind of ATV rider.

Best ATV Auto Insurance for Experienced Riders
Geico Logo

GEICO has several discounts to bring down your ATV premiums, especially for safe and experienced riders.

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You might be wondering, is insurance required 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. ATVs are expensive and fast and 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. Below, we’ll cover everything you need to know about the best ATV insurance providers in the country.

Summary of the Best ATV Auto Insurance

  1. 1.

    Best ATV Insurance Overall: Progressive

  2. 2.

    Best ATV Auto Insurance for Experienced Riders: GEICO

  3. 3.

    Best Insurance for New ATVs: Nationwide

  4. 4.

    Best ATV Auto Insurance for Expensive Gear: Safeco

Comparison of the Best ATV Auto Insurance

Insurance company Average annual rates of ATV insurance Original Equipment

Manufacturer Coverage (OEM)

Safe rider course discount J.D. Power auto claims satisfaction study

(out of 1,000)1

Progressive $564 Yes Yes, but amount not listed 861 Progressive review
GEICO $1,740 No Yes, up to 10 percent 874 GEICO review
Nationwide $828 Yes Yes, but amount not listed 868 Nationwide review
Safeco N/A Yes No 865 Safeco review

Detailed List of the Best ATV Auto Insurance

1. Best ATV Insurance Overall - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

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.

ProsWho It's Best For
  • pro
    People who want to upgrade their ATVs with exhaust pipes, lights, and more
  • pro
    People with accident-free riding histories
  • pro
    People with new ATVs
  • pro
    People with expensive equipment on their ATVs like hunting gear and cameras
ConsWho It's Not Best For
  • con
    Unsafe riders
  • con
    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.


According to the Consumer Product Safety Commission (CPSC), ATVs make up 96 percent of all off-highway vehicle accidents. CPSC data from 2020 shows an annual average of more than 700 deaths and an estimated 100,000 emergency injuries involving off-highway vehicles.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. Best ATV Auto Insurance for Experienced Riders - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

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.

ProsWho It's Best For
  • pro
    Older riders
  • pro
    People with other GEICO policies
  • pro
    Military members
  • pro
    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
ConsWho It's Not Best For
  • con
    Young riders
  • con
    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 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. Best Insurance for New ATVs - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Nationwide is the eighth-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 manager (OEM) policy and guaranteed repairs to riding association membership benefits, here’s everything you need to know about Nationwide’s ATV policies.

ProsWho It's Best For
  • pro
    Members of a qualified riding association
  • pro
    Owners of new ATVs
  • pro
  • pro
    People who own or lease ATVs (as opposed to renting or borrowing)
ConsWho It's Not Best For
  • con
    People with histories of traffic violations
  • con
    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 or parts of your ATV get 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.

Wide 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. Best ATV Auto Insurance for Expensive Gear - Safeco
Safeco Logo

What We Like Most:

  • Average rates are half the national average
  • Customizable coverages and add-ons
  • Backed by Liberty Mutual, ensuring its financial stability

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.

ProsWho It's Best For
  • pro
  • pro
    People who want to ride with passengers
  • pro
    People who want to store their vehicles in garages
  • pro
    People with multiple ATVs
ConsWho It's Not Best For
  • con
    People with DUIs on their records
  • con
    People living in Delaware, Hawaii or Washington, D.C.

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 what kind of plan you have.


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.45

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.


  • Company information: We look directly at the source of auto insurance plans ― the auto insurance companies ― to find the most reliable and accurate information. Our team of auto insurance experts scours company websites, car indexes like Edmunds and our own proprietary data that connects people with ATV insurance. On top of that, we speak directly to auto insurance agents to learn more about the best plans for ATVs. We also ask for online quotes from providers to compare and contrast what kind of rates, discounts and policy perks are available based on region, sex, driving background and more.
  • Third-party ratings: At, we rely on the most credible third-party ratings and public studies to accompany our proprietary data. We look at accredited sources, like AM Best, the Better Business Bureau, Moody’s, J.D. Power, S&P Global Ratings, the National Association of Insurance Commissioners and other trusted industry leaders to assess how well providers are addressing the concerns of their customers.
  • Insider guidance: We consult directly with Paul Ford, the president of insurance services at Centerfield,’s parent company. Paul has spent three decades in the insurance industry with tenures at Capital One Insurance Services, NetQuote, Bankrate, Datalot and Canadian Access, among others. Paul’s extensive institutional knowledge and expert guidance help us provide customers with everything they need to find the perfect policies.

Frequently Asked Questions

Are ATV and motorcycle insurance the same?

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.

Does home insurance cover ATV usage?

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).

What does ATV insurance not cover?

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.

Do insurance providers cover all ATV types?

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.


  1. Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 27).

  2. OHV & ATV Safety. Consumer Product Safety Commission. (2023).

  3. Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2023).

  4. Home Page. Partzilla. (2023).

  5. Home Page. Rocky Mountain ATV/MC. (2023).