ATV Insurance, Dirt Bike Insurance, Golf Cart Insurance, and More!
Alaska's outdoors are made for year-round adventure, and if that adventure involves an ATV, our knowledgeable agents can make sure you're covered, so you can focus on the ride, not the risk.
Give us a call to talk about coverage for:
- Sand Rail (dune buggy) Insurance
- Golf Cart Insurance
- Snowmobile or Snow Machine Insurance
- Dirt Bike or Motocross Insurance
- Quads or ATV insurance
- All of your other specialty vehicle insurance!
Whatever's on that list, we've got coverage options to match: collision, property damage liability, comprehensive, custom parts and equipment, and more.
Much like motorcycle insurance, ATV coverage comes with several options worth understanding.
Comprehensive
Comprehensive coverage handles damage to your ATV from anything other than a collision: think theft, vandalism, fire, an animal strike, or flooding. It'll cover the cost of repairs above your deductible.
Collision
Collision coverage kicks in for serious physical damage: rolling your ATV, hitting a tree, or colliding with another rider. You pay your deductible, and coverage handles the rest. Keep in mind it's built for real damage, not the everyday scratches and dings that come with the sport.
Bodily Injury & Property Damage Liability
This coverage protects you if your ATV causes injury to someone or damage to their property, and it helps protect your own assets, up to the limits you choose.
Uninsured/Underinsured Motorist
If you're hit by a rider with no insurance, or not enough of it, this coverage helps pay for your injuries, medical treatment, and lost wages. Ask your agent about adding it to your ATV policy.
Frequently Asked Questions about ATV Insurance
How much is ATV Insurance?
The cost of ATV insurance depends on several factors including, but not limited to: the driver, the vehicle being insured, your claims history and your credit. It also greatly depends on what coverage you decide to purchase such as comprehensive, collision, or custom parts and equipment.
Do I need insurance for an ATV?
Whether or not ATV insurance is required varies by state and usage. For instance, if you are operating the vehicle on public land, you may be required to carry liability coverage on the ATV. Or, if you are operating the vehicle on private land or a farm, it may not be required. One last thing would be if you financed your ATV. If it is financed it is likely the bank would require you to carry full coverage on the vehicle. Check with your local insurance agency to determine what laws exist in your area.
What types of vehicles is ATV insurance for?
ATVs go by many names such as: 4-wheelers (or quads), 3-wheelers, UTV (or utility vehicles), Side-by-Sides (or SxS), and Six-Wheelers.
