How Much Does ATV Insurance Cost?
Riding an ATV is all about freedom, adventure, and exploring off the beaten path—but that doesn’t mean you should go unprotected. ATV insurance helps safeguard your ride, your wallet, and your peace of mind if something unexpected happens on the trail.
Before you hit the trail, it’s smart to understand what coverage you might need and how much it could cost. In this guide, we’ll break down what factors into the price of ATV insurance and how you can find the right protection for your off-road vehicle.
Key Takeaways
- The cost of ATV insurance depends on the age, type, engine size, and overall value of your ATV, as well as how and where you use it, the chosen coverage, the rider’s driving experience, and claims history.
- Insureds can opt for liability-only ATV insurance or get more protection through coverages like collision, comprehensive, uninsured/underinsured motorist, MedPay, and more.
- GEICO offers various discounts and savings opportunities to help make ATV insurance more affordable.
Average Cost of ATV Insurance
ATV insurance costs can vary significantly depending on several factors. From the type of vehicle you ride to where you use it and the coverage you choose, each element plays a role in determining your rate.
Vehicle-Related Factors
The age, type, engine size, and overall value of your ATV are important cost drivers. High-powered or newer models may carry higher premiums due to increased repair or replacement expenses.
Rider Profile
Your driving history and any previous insurance claims can affect your rate. Riders with clean records are generally seen as lower risk, which may lead to more affordable premiums. In some states, your insurance-based credit score may also factor in.
Usage and Location
Where and how you ride matters. ATVs used on private land may cost less to insure than those ridden on public trails. Your ZIP code can also impact pricing based on local risk factors like theft rates or accident frequency.
Coverage Selections
The level of protection you choose—such as liability limits or whether you add collision or comprehensive coverage—affects your total premium. Higher limits and broader coverage options offer more protection, but also increase the cost. You should choose coverage based on your needs and how much you can comfortably pay out-of-pocket in the event of a loss.
ATV Insurance Coverage Options
When choosing ATV insurance, it’s important to understand what types of protection are available and how they apply to your situation. Depending on how and where you ride, some coverages may be more essential than others.
- Liability Coverage: Protects you if you're responsible for injuries or property damage caused to someone else while riding your ATV. It’s often required for riding on public land or trails.
- Comprehensive Coverage: Pays for damage to your ATV from events unrelated to a collision, such as theft, fire, vandalism, or weather-related damage.
- Collision Coverage: Pays for damage to your ATV if you hit another vehicle or object while riding.
Additional Coverage Options
GEICO also offers a variety of optional coverages to help protect your gear, equipment, and finances:
- Medical Payments (MedPay): Covers medical expenses for you and your passengers.
- Uninsured/Underinsured Motorist: Protects you if you're hit by a rider with little or no insurance.
- Safety Riding Apparel Coverage: Covers damage to helmets, boots, and other protective gear.
- Accessory Coverage: Protects aftermarket upgrades and modifications.
These add-ons can offer peace of mind and help you recover faster after an accident or loss.
ATV Insurance Discounts
Getting reliable protection for your ATV doesn’t have to break the bank. GEICO offers several ways to help you lower your premium without sacrificing the coverage you need. Ask if you qualify for the following discounts and savings opportunities* during enrollment:
- Multi-Vehicle Discount: Save when you insure more than one ATV or other vehicles with GEICO.
- Experienced Rider Discount: Riders with a clean history and years of experience may qualify for lower rates.
*Discount and savings availability vary by location.
Get an Affordable ATV Insurance Quote with GEICO
ATV insurance helps protect your ride, your finances, and your peace of mind. By understanding your coverage options, what affects your premium, and how to take advantage of available discounts, you can build a policy that fits your needs and your budget.
Get the protection you need before your next adventure. Start your free ATV insurance quote with GEICO today and see how much you could save.
FAQs About ATV Insurance Costs
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Is ATV insurance required by law?
In many states, ATV insurance isn’t required for riding on private property. However, if you plan to use your ATV on public land or trails, you may be legally required to carry liability coverage. Even if ATV insurance isn’t required, having it can offer valuable protection if the unexpected happens.
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Does my homeowners insurance cover my ATV?
Homeowners insurance typically does not cover ATVs, especially when they are used off-property. To protect your ATV against theft, damage, or accidents, a separate ATV insurance policy is necessary.
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Can I insure a used or older ATV?
Yes, GEICO offers coverage for a wide range of ATVs, including used and older models. As long as the vehicle meets basic insurability requirements, you can get a policy that helps protect it from a variety of risks.
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How much is ATV insurance for a teenager?
Insurance rates for teen riders can be higher due to limited experience, but the premium is also influenced by the type of ATV, location, and selected coverage. GEICO also offers discounts and savings opportunities that may help offset the cost.
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Is ATV insurance expensive?
ATV insurance is generally affordable, but the cost depends on things like your riding habits, location, coverage selections, and driving history. Insureds may also qualify for discounts that can lower their premiums.
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