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ATV insurance coverage

When using your all-terrain and utility vehicles for work or pleasure, the last thing you want to do is assume that your homeowners or auto insurance policy provides full coverages for your off-road vehicles. In most cases they don’t. This is a common misunderstanding and we want to help make sure you’re covered if any of the following should happen:

  • You get into an accident
  • Your off-road vehicle gets stolen
  • Your ATV or UTV is damaged by water, fire, or other cause
  • Parts on your four-wheeler or side-by-side get damaged in an accident and require replacement

Prevent the hassle of these and other losses with Dairyland® ATV insurance coverage. Your rates can start as low as $7 per month. Get your cheap ATV insurance quote from Dairyland—an ATV insurance company that cares.

ATV insurance coverage requirements

Each state has its own requirements for ATV/UTV insurance coverages. In some locations you’re able to ride off-road vehicles on pavement or within designated, public property if you’re insured. Contact your local agent or start an ATV coverage quote to find out what’s available in your state.

ATV insurance coverage services

In addition to customizing your ATV insurance coverages so you can get the protection you’re looking for, you can also expect:

  • 24/7 claims service
  • Knowledgeable ATV/UTV customer service
  • Local support from Dairyland agents

At Dairyland, our service standards help ensure you’re covered in more ways than one. Do you have further questions? We’re here for you at 866-287-9640.

Four-wheeler and side-by-side insurance coverage savings

What could make your all-terrain and utility vehicle coverage experience more fun? The ability to save money on your ATV insurance costs! Be sure to leverage our ATV/UTV insurance discounts so you can keep more of your hard-earned dollars.

ATV insurance coverage options

Bodily injury

Even the safest ATV/UTV riders and passengers are at risk of accidents. ATV bodily injury coverage can help you if you cause an accident where someone gets hurt—or worse. Medical bills, lost wages, and other loss expenses could be paid by this coverage.


If you hit something, collision coverage can help cover the cost of damages that can occur to your off-road vehicle.


ATV comprehensive coverage helps protect you from losses due to theft, vandalism, or natural disasters related to fire, water, and unruly weather.

Guest passenger

Safety is an important factor for all riders. If you’re in an accident, this coverage can help with medical bills and other expenses for passengers.

Medical expense

Getting injured in an accident can be costly, regardless of fault. Medical expense coverage helps you and your passengers with costs related to medical bills.

Optional/special equipment

If you’ve added some customized parts to your ATV/UTV, this coverage can help with damage and replacement costs.

Personal injury protection (PIP)

Regardless who’s at fault in a four-wheeler or side-by-side accident, ATV/UTV personal injury protection can help with medical costs for you and other eligible persons. This coverage is limited in some states.

Physical damage plus

Purchasing this coverage helps ensure that if your ATV or UTV needs replacement parts, only original manufacturer replacement parts will be used to repair your off-road vehicle.

Property damage

If you hit something while four-wheeling on someone else’s property, your ATV property damage coverage helps with damage costs. Note: This doesn’t cover damages to your own property.

Underinsured motorist bodily injury

If you’re in an ATV/UTV accident and the other driver is at fault but doesn’t have enough insurance to cover the cost of your injuries, the coverage helps with those costs—up to your policy limits.


Although riding over bodies of frozen water can be thrilling, it’s risky. If you break through the ice and your off-road vehicle is submersed in water, this coverage can help pay repair costs.

Enhanced permissive use

If you permit someone who’s not listed on your policy to operate your all-terrain vehicle, this coverage helps with the costs if they get into an accident.

Transport trailer

Venturing out to new places with your four-wheeler or side-by-side is part of the fun. ATV transport trailer insurance helps pay for damages to your trailer if something happens in transit.

Rental reimbursement

If your ATV/UTV is unavailable due to repairs, this coverage helps with rental costs so your off-roading fun can continue.

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