Last updated: March 2026
How Much Does ATV Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Liability-Only ATV Insurance (monthly) | $0 – $0 | $15 – $30 |
| Full Coverage ATV Insurance (monthly) | $0 – $0 | $25 – $60 |
| UTV/Side-by-Side Insurance (monthly) | $0 – $0 | $30 – $75 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: ATV insurance covers all-terrain vehicles for collision, theft, liability, and medical payments. Some states require liability coverage for ATVs.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
ATV insurance costs $15 to $60 per month or $150 to $700 per year. UTVs and side-by-sides cost more due to higher value and passenger capacity.
Some states require liability insurance for ATVs used on public trails or roads. Even where not required, insurance protects against costly accidents and theft.
Homeowner's insurance may cover an ATV on your property only. It typically does not cover ATVs used off-property or provide liability coverage for riding.