Does ATV Insurance Cover Theft? A Guide to Protecting Your Ride

ATVs are built for adventure, but when they’re not out on the trails, they can become an easy target for thieves. Unlike cars and trucks, ATVs are often stored in garages, sheds, or open spaces, making them more vulnerable to theft. That’s why it’s important to protect your ride with the right insurance coverage.

In this guide, we’ll walk you through how ATV theft insurance works, what it covers, and how GEICO can help you keep your off-road vehicle safe and secure.

Key Takeaways

• Liability-only ATV insurance does not include theft coverage. To protect your vehicle against theft, you must choose comprehensive coverage.
• ATV theft insurance has limits and deductibles. However, reimbursement of a stolen ATV is typically based on the actual cash value (ACV) of your ATV at the time it was stolen.
• If your ATV is stolen, file an official police report and begin the claims process through GEICO’s online Claims Center, the mobile app, or a claims representative.

Does ATV Insurance Include Theft Coverage by Default?

ATV insurance does not automatically include theft coverage. There are different types of ATV insurance you can choose from, and not all of them offer the same protection.

Liability-Only Coverage

Liability-only ATV insurance is the most basic type of coverage. It helps pay for injuries or property damage you cause to others in an accident. It offers valuable protection, but it won’t help with ATV theft or damage to your own vehicle.

What Comprehensive ATV Insurance Covers

To get theft protection, you’ll need to upgrade your policy to include comprehensive coverage. This optional add-on is designed to protect your ATV against non-collision events, like theft, vandalism, and natural disasters. This means if your ATV is stolen, comprehensive coverage can help cover the cost of replacement or repairs.

It’s important to note that comprehensive coverage protects your ATV even when it’s not in use. So whether it’s parked during the off-season or stored between rides, you can rest easier knowing your investment is safeguarded.

How ATV Theft Insurance Works

If your ATV is stolen, comprehensive coverage can help. But like any insurance process, there are steps to follow and key details to understand before you file a claim.

Filing a Theft Claim

Acting quickly is crucial. The first thing you should do if your ATV is stolen is contact your local police department to file an official report. Then, notify GEICO as soon as possible and initiate the claim process.

You can do this through the online Claims Center, the GEICO Mobile app, or by calling our team at (800) 207-7847. Be prepared to provide information like the police report, photos of the ATV, purchase receipts, and the vehicle’s serial number.

Coverage Limits and Deductibles

Like most insurance, ATV theft insurance via comprehensive coverage comes with a deductible and policy limits. Your deductible is the amount you’ll pay out of pocket before your insurance kicks in, so choose one that reflects how much you can comfortably pay out of pocket. Coverage limits determine the maximum amount your insurer will pay for a covered loss.

Keep in mind that reimbursement is often based on the actual cash value (ACV) of your ATV at the time it was stolen. That means depreciation is factored in, which can affect the final payout. A GEICO claims support will work with you to ensure a fair valuation is determined.

Tips to Help Prevent ATV Theft

While comprehensive coverage can step in if your ATV is stolen, there are a few things you can do to help prevent ATV theft altogether.

1. Storage and Locks

Whenever possible, store your ATV in a locked garage or enclosed structure. Visible security measures—like heavy-duty chains, wheel locks, or even a GPS tracker—can be strong deterrents to would-be thieves. The harder your ATV is to access or move, the less appealing it becomes as a target.

2. Park Smart

If you’re transporting your ATV or need to leave it outside unsupervised, choose your parking spot carefully. Aim for well-lit, busy areas and always lock it down securely when trailering or storing it overnight. Avoid isolated or dark areas where theft is more likely to go unnoticed.

3. Document and Track

Having clear documentation can make a big difference if your ATV is ever stolen. Keep a record of your ATV’s VIN (Vehicle Identification Number), take photos from multiple angles, and store your purchase receipts in a safe place. This information can help law enforcement and your insurer identify and recover your vehicle more quickly.

Get Comprehensive ATV Insurance with GEICO

Your ATV is more than just a fun ride—it’s an investment worth protecting. While theft can happen when you least expect it, having the right insurance coverage and taking a few simple precautions can go a long way in keeping your vehicle safe.

Interested in getting reliable ATV theft insurance? Get a free ATV insurance quote from GEICO today, or visit our ATV insurance FAQs page for more information.