ATV insurance for wherever the trail takes you.

Whether you're cruising forest trails, working farmland, or exploring open terrain, your ATV or UTV deserves the right protection. We offer coverage that’s built for the way you ride, with flexible options that go beyond the basics. Proudly serving riders across Minnesota, Iowa, and Wisconsin, we’re here to help you feel confident every time you hit the throttle.

What does ATV insurance cover?

Liability Coverage

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Liability insurance protects you if you're responsible for injuring someone or damaging property while riding. It’s often required if you use your ATV on public land or roads.

  • Bodily injury liability
  • Property damage liability
  • Legal defense coverage

Collision Coverage

A black and white icon of a atv on a white background.

This covers damage to your ATV if you collide with another vehicle, object, or terrain hazard. It helps get you back out riding without the full repair bill.

  • Damage from crashes or rollovers
  • Repairs or replacement
  • Coverage regardless of fault

Comprehensive Coverage

A pencil is writing on a piece of paper next to a dollar sign.

Protects your ATV or UTV from non-collision events like theft, vandalism, weather damage, or animal strikes—whether it’s parked or out on the trail.

  • Theft or attempted theft
  • Vandalism, fire, or weather damage
  • Animal collisions or damage from wildlife

Uninsured/Underinsured Motorist Coverage

A black and white drawing of a steering wheel on a white background.

Covers you if you’re hit by someone without enough (or any) insurance. This is especially important on shared trails or public lands.

  • Injuries caused by uninsured and underinsured riders
  • Medical expenses
  • Lost wages or pain and suffering

Common questions about ATV insurance.

  • Is ATV insurance required in Minnesota?

    It depends on how and where you ride. Liability coverage is required on public lands or roadways, and recommended everywhere else.

  • Can I add my ATV to my homeowner’s policy?

    In most cases, homeowner’s insurance offers little or no protection for ATVs. A standalone policy provides much better coverage.

  • Does ATV insurance cover passengers?

    Some policies do include passenger liability, but it’s important to make sure—ask us about adding that protection.

  • Can I bundle ATV insurance with other policies?

    Yes! Bundling with your home or auto policies could earn you a discount and simplify your coverage.

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