Do I need ATV insurance?

Whether you’re chasing adventure through muddy trails or putting your ATV to work around your property, one thing’s clear: Today’s all-terrain vehicles are more than just a ride. They’re built to help you follow your dreams, wherever they may take you.

At American Family Insurance, we believe your ATV coverage should be as unique as the journeys you pursue. We offer options designed to protect your hard-earned investment so you can go full throttle with confidence.

ATV insurance options

You’ve chosen your ATV carefully. Now, let’s take a closer look at how you can customize your coverage to fit your needs:

ATV liability insurance

Life’s unpredictable. If you happen to cause an accident while riding your ATV, liability coverage can help pay for other’s injuries and property damage. Many states require ATV owners to have liability insurance, so check your local regulations before you hit the trails.

ATV collision and comprehensive insurance

Accidents occur, even off the beaten path. Collision coverage helps protect your finances from accident-related damage. Comprehensive coverage is also available, which may further shield your savings from costly repairs, including those caused by natural disasters.

Safety riding apparel coverage

Your boots, helmet, and other equipment are essential for safe riding. Gear protection ensures your equipment is covered if it’s damaged while you’re out on your four-wheeler.

Multiple policy benefits

If your ATV accidentally damages your SUV, and you have collision coverage on both, we’ll waive one of the deductibles. Plus, you may qualify for multipolicy discounts when you bundle with other policies—like homeowners or life insurance.*

More options to customize your ATV coverage

We offer a range of optional coverages to help protect you and your gear:

Medical expense coverage. If you get hurt while riding your ATV, medical expense coverage can help pay for your injuries so you can get back to doing what you love.

Uninsured motorist coverage. If an uninsured or a hit-and-run driver injures you or your passengers, this coverage has your back.

Underinsured motorist coverage. If someone hits your ATV and doesn’t have enough insurance to cover the damage, this coverage may help bridge that gap.

Why an ATV policy matters

Other policies may offer limited coverage, but only an ATV policy gives you the protection you deserve. Off-roading can be unpredictable, but with the right insurance, you can feel confident, no matter what the trail throws your way.

You work hard to build your dreams. Every day, American Family Insurance works hard to protect them. Reach out to an agent in your area today to build a plan that works for you. 

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

*Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Exclusions may apply.