ATV Insurance Quote
Get an ATV insurance quote that covers your off-road vehicle wherever you ride. We compare rates from specialty carriers for ATVs, UTVs, side-by-sides, and four-wheelers.
ATVs aren't covered by your auto insurance. They're not covered by your homeowners insurance either, despite what some owners assume. These off-road vehicles need their own specialized policy.
Whether you ride trails, work your property, or compete, the right coverage protects your investment and shields you from liability.
What ATV Insurance Covers
• Collision damage - Damage to your ATV from accidents, rollovers, and collisions with objects.
• Comprehensive coverage - Theft, vandalism, fire, and weather damage.
• Liability protection - Injuries to others and damage to property. Critical if you ride on others' land.
• Medical payments - Your medical costs after an accident.
• Uninsured vehicle coverage - Protection from uninsured operators.
• Accessory coverage - Aftermarket parts, winches, plows, and custom additions.
• Trailer coverage - Protection for the trailer you use to transport your ATV.
What Types of Off-Road Vehicles We Insure
• Sport ATVs - High-performance four-wheelers for trail riding and racing.
• Utility ATVs - Work-focused machines for farms, ranches, and property maintenance.
• Youth ATVs - Smaller machines for younger riders.
• UTVs and side-by-sides - Multi-passenger utility vehicles like Polaris Rangers and Can-Am Defenders.
• Four-wheelers - Traditional quad-style ATVs.
• Dune buggies and sand rails - Desert and beach riding vehicles.
Do I Need ATV Insurance?
Missouri doesn't require insurance for off-road vehicles used only on private property. But riding without coverage exposes you to significant risk:
• Theft - ATVs are popular targets. They're easy to load into trucks and hard to trace.
• Damage - Rollovers, collisions, and accidents happen. Repairs are expensive.
• Personal liability - If you injure someone, you're personally responsible without insurance.
• Lender requirements - If you financed your ATV, your lender probably requires coverage.
If you ride on public trails, many require proof of liability insurance. Insurance opens more riding opportunities.
What Affects Your ATV Insurance Rate?
• ATV type and value - More expensive machines cost more to insure.
• Engine size and power - Higher displacement typically means higher rates.
• Your age and experience - Age and riding history affect pricing.
• Where you ride - Private property only vs. public trails and riding areas.
• Usage - Recreation vs. work vs. racing have different risk profiles.
• Storage security - Locked storage reduces theft risk.