ATV Insurance2020-10-07T16:38:42-06:00

ATV Insurance Coverage

ATV coverage

Who is Inside Insurance

At Inside Insurance, we love our toys. Getting out on the weekend and feeling the wind blowing through your hair gives us a feeling of freedom and thrill.

Our insurance advisors understand the freedom and joy that our toys can provide us. We also understand how important it is to protect the things we’ve worked so hard to attain.

ATV insurance coverage: protection that has no boundaries!

Whether you’re a rancher, hunter, trail rider, or an everyday adventure seeker, it won’t matter. We know you love your all-terrain vehicle (ATV) and we can surely get you the protection it needs. So get ATV insurance from us and get more riding freedom.

Many states require ATV insurance for vehicles operated on state-owned land. Hence, your homeowner’s policy might not cover your ATV if you ride it off your own property. But with the ATV insurance we provide, it does.

Much like our motorcycle insurance, Inside Insurance offers a lot of ATV insurance coverage.

ATV coverages offered:


Most often, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You only have to pay the deductible you selected, and your ATV insurance will take care of the rest.


Collision pays for physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other whatever it may be. You just have to pay the deductible you selected, and your Collision coverage will surely pay for the remaining. Collision does cover damages such as scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Bodily Injury & Property Damage Liability

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Uninsured/Underinsured Motorist

If the person at fault for an accident doesn’t have any insurance at all – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will have pay to for injuries and damages you suffer that the at-fault party is legally liable for, such as medical attention and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Get an ATV Insurance Quote

Just like everyone else, you want to choose the best ATV insurance company for you and your ATV’s need, and we make sure to provide you with all the needed information to make the perfect decision today, tomorrow, or whenever you’re ready. Our ATV insurance options are convenient, easy, and is always available 24/7 online and by phone. We’ll help you with your ATV insurance quote every step of the way, too. Call us today at 801-505-4300.

An ATV (All-terrain Vehicle)/ UTV (Utility Task Vehicle) Insurance is an insurance policy purchased for ATV/UTV vehicles. Since both vehicles are used for aggressive riding and are very popular to adventurers and thrill seekers, ATV/ UTV Insurance policies offer a wide range of coverage from collisions, fire, theft even physical injuries sustained by the rider/ driver while riding the vehicle.

Many states require ATV/ UTV insurance before allowing ATV/ UTV riders to operate on parks, trails and state-owned lands. Homeowners policy doesn’t cover accidents if you ride off your ATV/ UTV outside your own property.

Most insurance companies offer a comprehensive ATV/ UTV insurance coverage which pays for damages on your vehicle should it be caused by theft, fire, flooding or even vandalism. Collision policies can be purchased on top of your current policies, this pays for actual physical damage inflicted on your vehicle if you happen to bump on obstacles, other ATV, trees, and rocks while riding your ATV/ UTV, it also covers dents, scratches, scrapes and other cosmetic/ aesthetic damage.

Since these vehicles are used for rough riding and most often on off-roads, ATV/ UTV insurances also offers property damage and body injury liabilities, this policy, aside from your current policy will compensate for injuries to people and damage to property caused while riding your vehicle.

So when you’re ready to purchase your ATV/ UTV insurance, make sure you are well aware of the different policies and coverage your insurance company offers, seek their advice with the different policies they offer, ask for a quote and think about what policies fit your life style.

Does ATV insurance cover accidents?2023-01-11T16:57:55-07:00

Your ATV insurance policy will cover injury to other people and their property through the liability coverage on your policy. If you have comprehensive and/or collision coverage, you will also have coverage to fix your own ATV.

How much is ATV insurance?2023-01-11T16:57:55-07:00

The cost of ATV insurance will vary depending on the year, make, and model of the ATV.

How much does it cost to insure an ATV?2023-01-11T16:57:56-07:00

The cost of ATV insurance depends on several factors, similar to auto insurance. The price you pay will be determined by the year, make, and model of the ATV you want to insure. Your own driving record, credit score, and garaging address will also affect the price of your ATV insurance.

What does ATV insurance cover?2023-01-11T16:57:57-07:00

ATV Insurance typically offers liability coverage as well as coverage for the ATV. Liability coverage protects other people if you are at fault for causing harm to other people or other property. Coverage for the ATV itself includes comprehensive and collision coverage. These are typically subject to a deductible.

Still don’t have the Inside Advantage?

Thousands of families have trusted Inside Insurance with their protection needs.

You should too!