Do I need ATV, UTV or Side-by-Side Insurance?
Whether or not you need insurance for your off-road vehicle depends on where you live, how you purchase your vehicle and where you want to ride. Not all states require insurance for your ATV, UTV or side-by-side (SxS), however, many national parks and RV trails require coverage to ride on their land—even if the state doesn't. Additionally, if you plan on financing your off-road vehicle, many lenders require comprehensive collision coverage in addition to state-mandated minimum liability coverage.
Even if insurance isn't mandatory, it's always wise to have it, regardless of your riding skill level. Much like car insurance, off-road vehicle insurance can limit your liability and reduce out-of-pocket expenses if something unexpected happens while riding.
What Kind of Insurance Do I Need for My Off-Road Vehicle?
When it comes to insuring your ATV, also known as a 4-wheeler, or SxS, there are several coverage options to consider. From property damage to medical payments, having the right insurance can provide peace of mind. Here’s a breakdown of the essential coverage types:
1. Bodily Injury Liability (BI)
Mandatory in some states, this coverage protects your assets if you injure someone in an accident and they sue you. It covers the other person’s medical expenses up to your policy limits.
2. Property Damage Liability (PD)
This coverage pays for damage you cause to another person’s property in an accident involving your ATV or SxS. Note that it doesn’t cover your own property.
3. Uninsured/Underinsured Motorist (UM/UIM)
Like auto insurance, this protects you if the other party in an accident can’t cover your medical expenses. It can also cover lost wages during recovery, especially useful in states not requiring Bodily Injury Liability.
4. Comprehensive and Collision
Comprehensive coverage protects against non-collision incidents like severe weather, vandalism or fire. Collision coverage helps if you’re in an accident with another vehicle. These are often sold together to restore your off-road vehicle to its pre-incident condition.
5. Medical Payments
This coverage helps pay for medical bills for you and your passengers, regardless of fault, in the event of an accident.
6. GAP Coverage
GAP coverage is crucial if your ATV or SxS is totaled in an accident or stolen. It covers the difference between your vehicle’s actual cash value and the amount you owe on it. Polaris offers a GAP coverage plan for added peace of mind.
For the best protection, work with a reputable insurer to tailor a policy that fits your lifestyle and riding habits.
How Much Does SxS or ATV Insurance Cost?
The cost of off-road vehicle insurance for your ATV or SxS can vary widely based on several factors. These include the age, make and model of your vehicle, where you ride, your state of residence, and how you store your vehicle. Additionally, your riding record and automobile driving history can influence the cost. The insurance company you choose and the coverage options you select also play a significant role in determining the final price.
What to Look for in the Best ATV and SxS Insurance Plans
When you need to use your ATV or SxS insurance, it’s likely not your best day. Therefore, it’s crucial to have a policy from a reputable powersports insurer that you can trust to handle your claim efficiently. The best policies will restore your ATV or SxS to its pre-accident condition or better using OEM parts, without leaving you with a hefty bill.
Customizable Coverage
Top off-road vehicle insurance policies allow you to customize your coverage to meet your specific needs. For instance, if you carry a lot of hunting or fishing gear, ensure your insurance company offers coverage options for that. If you have valuable accessories added to your vehicle, make sure they are covered at full replacement value.
Unique Policy Features
Having options is beneficial when it comes to UTV and SxS insurance. Look for policy features that reduce your deductible over time or provide a brand-new off-road vehicle at no cost if yours can’t be repaired. Additionally, consider healthcare costs and look for policies that cover medical needs, including lost wages.
Premium Discounts and Bundling
Many providers offer discounts on your SxS or ATV insurance policy when you bundle it with your existing auto or home insurance. Additional discounts may be available for taking an off-road safety course, quoting in advance, joining an association, and more. Be sure to ask your insurer about available discounts for your unique situation.
Partnering with Progressive® for Easy ATV or SxS Insurance
Progressive® Insurance for ATVs and UTVs (including side-by-sides) can keep you protected and having fun all season long. As a trusted leader in powersports insurance, you can rely on Progressive® to be there when you need us most. We can pay to restore your off-road vehicle to the same condition or better after an accident, and if your ride can’t be repaired, our Total Loss Coverage can pay the full cost for a new off-road vehicle. With unique coverage options like Carried Contents, Safety Riding Apparel, and Enhanced Injury Protection, you can customize your policy based on what’s important to you.
Enjoy the Ride with Peace of Mind
While nobody likes to think about insurance until they need it, spending a little time now can help protect you, your family and your favorite outdoor pastime. Knowing you’re protected allows you to enjoy every off-road moment to the fullest.
