Is ATV insurance/UTV insurance required?

Not all states mandate insurance on your ATV or UTV, but places where you ride might — like RV trails and public parks. Also, if you're financing your vehicle, some lenders will require comprehensive coverage and collision coverage. Collision coverage helps pay for damages if your quad or ATV collides with another object or vehicle. Comprehensive covers theft, vandalism, and damage from events unrelated to a crash — like harsh weather, fire, and collisions with animals.

Is your four-wheeler covered by your homeowners insurance policy?

Homeowners insurance may cover your ATV only for scenarios on your property. That means you need a separate ATV insurance policy for accidents that occur away from home.

How much is ATV/UTV insurance?

Your ATV insurance cost depends on factors like your age, driving history, and your vehicle's make, model, and location. You can lower the cost of ATV insurance with discounts from Progressive.

ATV Insurance/UTV Insurance

Protect your four-wheeler with personalized ATV or side-by side-insurance

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Quote ATV/UTV insurance online to safeguard your off-road vehicle with specialized coverage

Whether you're a full-time rancher or part-time adventure seeker, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), quad, or side-by-side are protected. Progressive insures nearly all popular makes and models, including:

Polaris
Can-Am (BRP)
Honda
Yamaha
Kawasaki
And more

Savings as big as your off-road thrills

Check out a few of Progressive's discounts aimed at lowering the cost of your ATV insurance policy.^*

Safety course

Completed an approved ATV, motorcycle, or snowmobile safety course within the past three years? You'll receive a discount on your policy.
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Multi-policy

Already have another policy with Progressive? Get a discount for bundling it with your ATV policy.
Pay in full

Pay your ATV insurance policy in full, up front, and we'll add another discount.

Customized coverage so you can ride with maximum peace of mind

An ATV/UTV policy typically includes liability coverage, in case you're responsible for someone else's injuries or damage. Comprehensive coverage can be added to safeguard your ATV from incidents beyond your control, such as theft, vandalism, and severe weather. Adding collision coverage protects your vehicle against damage from accidents. Plus, you can personalize your policy with these coverages and more:

Accessories and custom parts

Covers upgrades to your ATV

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With Progressive, ATV insurance automatically includes $3,000 in coverage for upgrades you've made to your vehicle. Need more than $3,000? You can purchase up to $30,000 in additional coverage for most makes and models.

Example: You added a custom seat to your four-wheeler, and it's damaged in a covered accident. Progressive may pay you the value of the seat.

Total loss coverage for new ATVs

Covers newer models against depreciation

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If your ATV or UTV is no more than one model year old on a new policy or two model years old on a renewal policy with physical damage coverage, we pay you the full MSRP if your vehicle is totaled. A deductible applies. Total loss is an optional coverage that can be added for an additional cost.

Example: You paid $10,000 for a new ATV, but now it’s only worth $5,000. If it’s totaled in a covered accident and the latest model costs more than $10,000, Progressive may pay you that amount.

Carried contents

Covers your belongings while riding

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Your ATV or UTV is often your work horse for hunting, plowing, and more. Carried contents coverage protects your camping equipment, hunting gear, and personal property against damage due to a covered incident.

Example: Your new tent is ruined in a covered ATV accident. We may pay to replace it.

Pro tip:

If you already have motorcycle insurance with us, you can add your ATV/UTV to your existing motorcycle policy.

Common questions about ATV insurance

Explore some of the most-asked questions about ATV/UTV insurance.

Not all states mandate insurance on your ATV or UTV, but places where you ride might — like RV trails and public parks.
Also, if you're financing your vehicle, some lenders will require comprehensive coverage and collision coverage. Collision coverage helps pay for damages if your quad or ATV collides with another object or vehicle. Comprehensive covers theft, vandalism, and damage from events unrelated to a crash — like harsh weather, fire, and collisions with animals.
Learn more about what ATV/UTV insurance covers.