How Can I Find Cheap ATV Insurance?

When you have an ATV (all terrain vehicle), you need to be legally insured. Since you have to have it, you might as well look for cheap ATV insurance. As long as it covers everything you need, why pay more?


There are lots of things that can affect your insurance rates when it comes to your all terrain vehicle use. Perhaps the most important thing to think about is why you are using the ATV.

Lower Insurance Rates for Your ATV

Your insurance rates will be lower when adults are using the ATV for work. If kids will be using it for fun, expect much higher insurance rates.

Once you decide what the ATV will be used for (work or pleasure, adults or kids), you'll know what kind of coverage to look for.

When searching for insurance, there are several things to remember. First, if you and the other riders in your home are willing to take ATV safety courses, you'll often find that your insurance rates will go way down.

Also, you may find lower rates for ATVs that are driven only on your property instead of on public roads and others' property.

Will My Regular Car Insurance Cover My ATV?

You cannot simply rely on your car insurance to protect your ATV, and to protect those that are riding on it—unless your car insurance specifically states that it will cover ATVs and those that are driving it and riding on it.

Check with your car insurance agent first, because sometimes you can add an ATV to your insurance, if you are using the ATV for work purposes or if you are using it like an automobile. Even if you can't get the ATV added to your policy, your agent can give you lots of good information about ATV insurance and about to look for. That way, you'll know exactly what to look for when comparing insurance plans.

Other Ways To Lower Your ATV Insurance Rates

  • Always wear a helmet and safety gear.

  • Don't use the vehicle off your own property. Always keep it inside your property lines.

Finding cheap ATV insurance is not as difficult as you might think. Follow the suggestions above and you may be saving yourself quite a bit of money every year.

NOTE:The information here is not legal advice and is only presented to you so you can know your options if you purchased a lemon. As with any legal issue, you should seek the advice of a qualified attorney.


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