Everything you need to know about insurance basics, like coverage types, limits, cost and more.
ATV and Off Road Vehicle Insurance
Your ATV is your off-road ticket to freedom and fun! But before you hit the trails, you’ll want to make sure you’ve got the protection you need to enjoy your rugged adventures worry-free. That’s where we come in. American Family ATV insurance safeguards you from the unexpected. And because we know no two four-wheelers are alike, our customizable coverages help protect your unique ride — giving you the confidence you need keep your off-road dreams going strong.
Not sure what ATV insurance coverage is right for you? An American Family Insurance agent is happy to help. Connect with your agent to get an ATV insurance quote today to get started.
What Is Covered with ATV Insurance?
Whether you use your ATV to hit the trails or get work done around the farm, these coverages will help keep you protected.
Comprehensive ATV protection
Blazing your own trail can come with the occasional bump in the road. But don’t get sidetracked by a setback! Our comprehensive and collision coverage helps protect against most accidental damage or loss to your ATV.
Liability protection for ATVs and off-road vehicles
Accidents happen. And, as an ATV owner, you could be held responsible. Our liability coverage helps protect you and anyone operating your four-wheeler with your permission — it can help you pay for property damage, first aid, medical and court costs so you can stay focused on your growing dreams.
ATV gear protection
Safety should come first when you hit the trails — that’s why we offer protection for your gear. Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on worry-free.
Additional insurance coverage for your four-wheeler
So, you’ve accidentally backed your four-wheeler into your car. Now what? With our collision deductible waiver, if both your ATV and car are insured with collision coverage by American Family Insurance, we’ll waive one of the deductibles — saving you money and worry.
What Is the Average Cost of ATV Insurance?
On average, your ATV insurance can cost anywhere from a few hundred dollars to over a thousand dollars per year. The cost for ATV insurance varies per owner depending on a number of factors, including:
- The state you live in
- Your driving history
- The make and model of your ATV
- What you use it for
- How much coverage you purchase
Save for the Unexpected With Diminishing Deductible Coverage
When you have an ATV insurance claim, you might have to pay a deductible before your insurance company kicks in to cover the repairs or replacement costs. At American Family Insurance, we know that a deductible isn’t always the easiest thing to pay after an accident. But with our Diminishing Deductible, we hope to ease that burden by offering a way to reduce your collision and comprehensive deductible amount. Here’s how it works:
Earn Credit Immediately
We’ll credit your deductible $100 day one. Let’s say you have a $500 deductible. Good news — it just dropped to $400.
Watch Your Deductible Diminish
Your deductible will continue to reduce each year at policy renewal, up to your policy’s maximum limit, as long as you maintain your policy with us.
Savings When You Need It
If you have a claim, you’ll pay a reduced deductible amount thanks to your Diminishing Deductible coverage. Your deductible then resets, so you’ll go right back to earning a reduced deductible amount.
Learn more about Diminishing Deductible coverage >
Added Protection for Your ATV and Off-Road Vehicle
Medical expense coverage
If you’re hurt while on your ATV, this will help pay for medical care to get you back to your old self.
Uninsured motorist coverage
This protects you if you or anyone riding your ATV is hurt in an accident that was caused by an uninsured vehicle or a hit-and-run driver.
Underinsured motorist coverage
This helps pay for the balance of an accident when another driver is at fault and doesn’t carry enough insurance.
*Additional coverage options may vary by state.
Have Questions About Getting ATV Protection?
Every ATV rider is unique, so it’s not always easy to know what kind or how much insurance to get. But we’re here to help! If you’ve still got questions, see our ATV insurance FAQs, study up on the variety of ATV insurance discounts we offer and learn more about why people choose American Family.
Get an ATV Insurance Quote Today
When you’re ready, an American Family Insurance agent near you is happy to help you choose exactly what policy and price is right for you. Connect with your local agent today and get your four-wheels the custom protection they deserve.