ATV & off-road vehicle insurance quotes

ATV insurance works like most other vehicle insurance. If you're involved in an at-fault accident, it can help pay for the damages to others' property and/or injuries. You'll need to pick your liability limits and they should be based on your needs.

ATV insurance also has optional coverages that can help pay for damages to your vehicle. These coverages can include Comprehensive and Collision Coverage.

ATV insurance can be broken into 3 parts.

First, you have Liability Coverage that helps pay for damages and injuries to others. These coverages include

• Property Damage: Pays for damages you cause to other people's property in an accident
• Bodily injury: Pays for other people's medical expenses if you cause an accident
• Guest Passenger Liability: Pays for medical expenses for a passenger if they're injured while riding with you on your ATV. This doesn't include your spouse, who is protected under your medical coverage.

Next, you have coverages that help pay for damages or injuries to you and/or your property. These can include

• Collision Coverage: Pays for damages to your ATV when it collides with another vehicle or object, like a tree or guardrail
• Comprehensive Coverage: Pays for damages to your ATV caused by things other than collision like weather, theft, fire, etc.
• Medical Payments: Pays for initial medical expenses if you or a passenger are hurt in an accident, regardless of who's at fault
• Gear Replacement (no extra cost): Pays up to $1,000 per person/incident to replace a helmet, riding jacket, and other safety apparel lost or damaged in a collision. This is included on all Liberty Mutual ATV policies at no extra cost or deductible.

There are also additional coverages that you can buy that vary by company but can include

• 24-Hour Roadside Assistance: Can help you with a jump-start to a tow, so you can rest easy knowing help is available
• OEM Parts Coverage: Pays for the use of original equipment manufacturer (OEM) parts for repairs

Although, there's no coverage called "full coverage" ATV insurance, when people talk refer to this, they mean having Liability Coverage with a mix of optional coverages.

Liberty Mutual can help you insure all-terrain vehicles with 4 or 6 wheels. Some examples of ATVs we insure include

• Utility task vehicles (UTV)
• Side-by-sides
• Dirt bikes
• Snowmobiles
• Golf carts, and other select off-road vehicles

Please note, these examples of ATVs we insure but these policies aren't limited to ATV, UTV, and RTVs. Give us a call at to get details about all the vehicle types we cover.

In general, Liberty Mutual doesn't insure 3-wheel vehicles and dune buggies.

When comparing ATV insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best ATV insurance or the cheapest ATV insurance.

Tips for comparing ATV insurance quotes

• Compare coverages and make sure the options meet your needs
• Choose the same deductibles because they can affect your quote prices

When comparing ATV insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make ATV insurance easy. Our fast and easy quotes let you customize coverages, so you only pay for what you need.

Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance. These are just a few ways Liberty Mutual helps make ATV insurance easy.

In general, ATV insurance costs less than a normal auto policy. However, the cost for ATV insurance varies depending on things like

• Type, age, and condition of your ATV/UTV
• How you use your ATV
• Your driving record/experience and claims history
• Coverages/limits you pick

See how much you could save when you get an ATV insurance quote with Liberty Mutual and only pay for what you need. Call us at to get your ATV insurance quote today!

Getting an ATV insurance quote is easy with Liberty Mutual. All you need is

• Basic information about yourself
• Basic information about your ATV
• An estimate of how much your safety gear is worth
• Any additional people such as a roommate or spouse you want on your policy