ATV Insurance Quote

Are you looking to insure your all-terrain vehicle (ATV), utility vehicle (UTV), four-wheeler, or side-by-side (SxS)? GEICO provides insurance for many types of off-road vehicles, including ATVs and UTVs. Before taking your ride out on the trail, start a free quote to find out how you could combine savings with great customer service on insurance coverage for an off-road vehicle.

ATV and UTV insurance requirements vary by state. Some states mandate liability coverage for riding on public roads or designated trails. If you use your ATV or UTV exclusively on private property, insurance may not be required. However, coverage is often necessary for riding in state parks, public trails, or other regulated areas. If your vehicle is financed or leased, your lender may require comprehensive and collision coverage to protect their investment.

GEICO offers coverage for aftermarket modifications on ATVs and UTVs, but standard policies may not automatically include coverage for custom upgrades like enhanced suspensions, custom tires, or engine modifications. Riders can also add coverage for accessories such as winches, cargo racks, and LED lights.

For ATV drivers and other recreational vehicle owners, the new GEICO Motorcycle and Offroad coverage was designed specifically with you in mind.

No matter if you're seeking protection for your transport trailer, stored gear, or total loss replacement, GEICO has you covered across a wide range of scenarios that can present themselves while engaging in outdoor activities.

Some key protection offered under the GEICO Motorcycle and Offroad umbrella include:

• Transport trailer protection: Moving your recreational vehicle from one place to another carries a lot of potential risk. GEICO offers comprehensive or collision insurance with flexible coverage limits, so you can rest assured that your vehicle is protected during transport.
• Stored gear coverage: Get up to $3,000 of coverage for gear that's stored on your vehicle.
• Custom parts or equipment: Provides $2,000 of coverage for specific parts or equipment required to operate your vehicle, with the option to buy more if necessary.
• Total loss replacement: For an additional premium, we'll settle your total loss using the MSRP of the same make/model of a brand-new motorcycle. Some restrictions apply.

Get a fast, affordable ATV insurance or UTV insurance quote by gathering some key details in advance. Have your vehicle's make, model, VIN, and driver information ready to streamline the process.

• Have your GEICO Auto Insurance, Motorcycle insurance, or RV policy information (if applicable) ready—you could save on your ATV or UTV insurance with a Multi-Policy Discount
• Identify any completed motorcycle or ATV safety courses, which could help you save money too
• Locate your year, make, model, and VIN to make entering your info faster

• Do you need insurance to drive an ATV?

  Some states require ATV insurance while others don't. Even if your state doesn't require it, ATV insurance can be a smart investment for a few good reasons:

  • ATVs have a high theft rate
  • Your homeowners insurance might not cover your ATV if you ride it off-property or trailer your ATV to another location
  • If you ride your ATV in a state-owned or public park, you may be required to have specific ATV insurance.
• Does GEICO provide coverage for all brands of off-road vehicles?

  GEICO covers nearly every popular make and model of ATVs as well as most side-by-side makes and models.

  We do not insure three, six, or eight wheelers or ATVs/UTVs with less than 150 cc's.

• How much does ATV insurance cost?

  ATV insurance can be more affordable than you might expect! ATV and UTV insurance rates depend on a variety of factors associated with your vehicle such as make, model and location, as well as your age and driving history. The exact cost will vary based on vehicle type and coverage options. GEICO offers a variety of cost-saving discounts that could help you save more money, including the Multi-Vehicle Discount, Experienced Riders Discount, Multi-Policy Discount, Anti-Theft Device Discount, and Safety Course Completion Discount! Start your quote today to see how much you could save.

• Does ATV insurance cover mechanical breakdowns or blown engines?

  Standard ATV insurance typically does not cover mechanical breakdowns or engine failures caused by wear and tear. However, some insurers offer optional mechanical breakdown coverage or extended warranties for added protection.

• Do I need ATV insurance during the off-season?

  Whether ATV insurance is required during the off-season depends on your state's laws. Even during off-season, your ATV is still at risk for theft, fire, or vandalism, so keeping some coverage year-round is a smart choice.

• How can I save money on ATV insurance?

  You can save money on ATV insurance with discounts like multi-vehicle discounts and experienced rider discounts available to GEICO insurance customers. Adjusting coverage based on usage and choosing a higher deductible can also help lower premiums.

• What happens if I get injured while riding my ATV on someone else's property?

  If you get injured while riding your ATV on someone else's property, your ATV insurance may include medical payments coverage or personal injury protection (PIP) to help with medical expenses. Liability coverage can apply if you're at fault, but the property owner's insurance may also come into play depending on the situation.

Find answers to any other questions you may have on our ATV Insurance FAQ page.