All the best rates, plans and providers for your ATV
With coverage options for ranchers and recreational riders, several discounts and customizable plans, Progressive offers perks and protection for every kind of ATV rider.
GEICO has several discounts to bring down your ATV premiums, especially for safe and experienced riders.
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.
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
|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|
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.
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:
Progressive offers several discounts to help you bring your ATV insurance cost down, including:
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.
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:
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.
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:
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.
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 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.
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.
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.
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.
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:
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.
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.
Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 27).
OHV & ATV Safety. Consumer Product Safety Commission. (2023).
Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2023).
Home Page. Partzilla. (2023).
Home Page. Rocky Mountain ATV/MC. (2023).