ATV Insurance Quote

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Get an ATV insurance quote and save on your off-road vehicle insurance.

Are you looking to insure your all-terrain vehicle (ATV), utility vehicle (UTV), four-wheeler, or side-by-side (SxS)? GEICO provides insurance for many types off-road vehicles, including ATVs and UTVs. Before taking your ride out on the trail, start a free quote to find out how you could combine savings with great customer service on insurance coverage for an off-road vehicle.

What does ATV & off-road vehicle insurance cover?

ATV insurance from GEICO includes a wide range of coverages for you:

  • ATV Collision Coverage: This coverage pays for damages to your ATV if it collides with another vehicle or object. It typically covers damages regardless of who is at fault.
  • ATV Liability Coverage: This coverage is required by most states and protects you in the event of an accident that results in property damage or bodily injury to another person. Damages to your ATV are not covered.
  • ATV Comprehensive Coverage: This coverage pays for damages to your ATV resulting from incidents other than collisions, like theft, vandalism, fire, or natural disasters.
  • ATV Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are in an accident with someone who doesn't have enough insurance to cover the damages or isn't insured at all.
  • ATV Medical Payments Coverage: This coverage pays for your or your passengers' medical bills after an ATV accident, regardless of who is at fault.

Liability coverages for other people involved:

  • Property damage
  • Bodily injury

Our ATV insurance information page has more information about these coverages.

See What Our Customers Say*

"GEICO has a niche with ATV and motorcycle riders! I have been with GEICO ATV insurance for two years and love the online payment options, quality coverage, and peace of mind knowing my ATV is insured."

GEICO Customer in NV

ATV Insurance Discounts

Get affordable ATV insurance with discounts available from GEICO. We know tires, helmets, and accessories can add up, so every dollar saved helps. Check out the various ATV and UTV insurance discounts you may be able to get with GEICO.

Start Your ATV / UTV Insurance Quote Today

Get the coverage you need today and start a quote now.

Why choose GEICO for four-wheeler insurance?

Flexible Payment Plans

You have several options for paying your ATV insurance premium. You can pay all at once, monthly, or in 4, 6, or 9 installments—whatever works best for you.** Our affordable ATV payment plans are the same as the motorcycle flexible pay plans.

24/7 Customer Service

Utility model or something sporty, tearing up the trails or parked in your garage, we have you covered. Give us a call or log in anytime to update your policy. Our licensed agents are just as excited about getting off-road as you are.

Claims Are Easier With GEICO Mobile

From reporting a claim, to getting a damage estimate, the GEICO Mobile app is built to take the stress out of managing a claim. Not ready for the app? Take care of your claim on

Is your ATV covered by your home insurance policy?

  • Typically, a home insurance policy will cover an ATV on your property only
  • On the trails, away from home, you'll need an ATV insurance policy to be covered

Safety Tips for Riding UTVs

  • Every rider should wear protective gear, especially a helmet
  • For new riders, seriously consider a safety course to learn trail-riding basics
  • Find out more ATV basics

What you need to start an ATV insurance quote.

We're all about savings. That includes time you can save getting your quote by gathering some info before you start. Get affordable ATV insurance by collecting these before your quote:

  • Have your GEICO Auto, Motorcycle, or RV policy information (if applicable) ready—you could save with a Multi-Policy Discount
  • Identify any completed motorcycle or ATV safety courses, which could help you save money too
  • Locate your year, make, model, and VIN to make entering your info faster

ATV Insurance: Get the answers you're looking for.

  • Do you need insurance to drive an ATV?

    Some states require ATV insurance while others don't. Even if your state doesn't require it, ATV insurance can be a smart investment for a few good reasons:

    • ATVs have a high theft rate
    • Your homeowners insurance might not cover your ATV if you ride it off-property or trailer your ATV to another location
    • If you ride your ATV in a state-owned or public park, you may be required to have specific ATV insurance.
  • Does GEICO provide coverage for all brands of off-road vehicles?

    GEICO covers nearly every popular make and model of ATVs as well as most side-by-side makes and models.

    We do not insure three, six, or eight wheelers or ATVs/UTVs with less than 150 cc's.

  • How much does ATV insurance cost?

    ATV insurance can be more affordable than you might expect! ATV and UTV insurance rates depend on a variety of factors associated with your vehicle such as make, model and location, as well as your age and driving history. The exact cost will vary based on vehicle type and coverage options. GEICO offers a variety of cost-saving discounts that could help you save more money, including the Multi-Vehicle Discount, Experienced Riders Discount, Multi-Policy Discount, Anti-Theft Device Discount, and Safety Course Completiion Discount! Start your quote today to see how much you could save.

Still have ATV or UTV Insurance Questions? We've Got You Covered.

Find answers to any other questions you may have on our ATV Insurance FAQ page.

*Reviews are from customers from December 2007 to August 2009.

Some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies, or all situations. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York, a premium reduction is available for affiliated groups. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations.

**Installment plan fees may apply.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

This policy is underwritten by GEICO Indemnity Company.