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How much is ATV insurance?
How much will ATV insurance cost me per year? It isn't required in my state and I only plan on driving it around the farm. I was thinking about getting some but I am not sure if it would even be helpful.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The cost of ATV insurance will vary from state to state and it will depend on the coverage you are interested in getting. In most cases, the cost of an ATV policy is much lower than
car insurance
.There are some situations where you really might not need to have a policy on your ATV. Here are some things to think about:
- Will anyone aside from you ever drive the ATV?
- Will you use it to cross any public roads?
- Does the ATV have a bank loan attached?
- If your ATV was stolen or lost in a fire, would you need an insurance payout to purchase another one?
- Is there a chance that your ATV could cause damage to another person or their property?
If you answered no to all five questions, then you are right and having insurance wouldn’t be beneficial.
If you answered yes to any of those questions, it would be best for you to get insurance for your ATV. The average monthly payment for a
liability-only
ATV policy is about $80.You may be able to get coverage with your current auto insurance carrier. If not, many big companies offer ATV/Motorcycle policies at very reasonable rates. You can also shop and compare rates with an insurance broker like
Jerry
, which delivers the best deals on personalized quotes to your phone in minutes.”MORE: Colorado residents clash with off-road vehicle drivers
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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