Off-road insurance

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Looking for dirt bike, snowmobile, UTV, or ATV insurance?

When off-road adventures call, don’t let a lack of insurance stand in your way. We offer the reliable coverages and convenient claims service you need to help protect you, your family, and your off-road vehicles.

Get a free off-road insurance quote for your ATV, UTV, snowmobile, or dirt bike today!

Off-road insurance coverages

It’s common to assume that your homeowners or auto insurance policy provides off-road insurance coverage for your powersports vehicles. While they may provide minor protection, it’s usually very limited. With an active lifestyle like yours, it’s important to ensure you’re covered.*

These off-road insurance coverages can help protect you:

  • Bodily injury
  • Collision
  • Comprehensive
  • Guest passenger
  • Medical expense
  • Optional/special equipment
  • Personal injury protection (PIP)
  • Physical damage plus
  • Property damage
  • Underinsured motorist bodily injury
  • Submersion coverage
  • Enhanced permissive use
  • Transport trailer coverage

Why is off-road insurance important?

  • Insurance requirements: Depending on your location and your off-road vehicle of choice, proof of insurance might be a requirement. For example, if you’ve got a four-wheeler and live in a town that allows main-road four-wheeling, you may be required to carry off-road insurance.
  • Life-altering accidents: Even if you’re not required to purchase off-road insurance, it’s still recommended for instances such as life-altering accidents. After an accident of this nature, you don’t want expensive medical bills and other debt to be an added challenge.
  • Additional protection: Off-road insurance is designed with your lifestyle in mind, ensuring you’ve got options for coverage beyond liability, including custom equipment, submersion, and trailer transport for your off-road vehicle.

Off-road insurance discounts

We offer lots of discount** options to help adventurers like you save on your insurance. Explore the ATV/UTV, dirt bike, snowmobile, motorcycle, and moped/scooter links below to see the specific discounts you can qualify for, or cut to the chase and get a free insurance quote to see how much you can save today.


*Coverages and requirements vary by state. See your policy for complete coverage details.
**Not all discount options are available in all states.
Additional products

Need coverage for something besides your off-road vehicle? You’ve got options—like auto, motorcycle, renters, life, RV, and Mexico auto insurance. Get information on more insurance products

We can help with your off-road vehicle insurance claim

If you were involved in an unfortunate incident, our knowledgeable claims representatives are here to help you 24 hours a day, seven days a week.

Dairyland customers:
Log in to your Dairyland account to submit a claim online.

Everyone else:
Give us a call at 800-334-0090 and we’ll get started.

Bundle your off-road vehicle coverage with Dairyland

ATV/UTV

If you’ve got a four-wheeler or side-by-side, we’ve got coverages to help protect you and your toys—so you can focus on enjoying your ride.
Rev the engine

Dirt bike

Continue unearthing your passion for adventure while ensuring you’ve got the dirt bike insurance coverage you need.
Prepare for action

Snowmobile

We’ve got cheap snowmobile insurance and discounts that you can tailor to your thrill for the chill.
Hit the trails

We offer additional powersports products

Motorcycle

Trusted by bikers for over 50 years, we’ve got cheap motorcycle insurance coverages and discounts riders can depend on.
Ride on

Scooter/Moped

Dairyland’s got reliable, flexible coverage and discount options to protect you and your moped or scooter.
Discover more

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