Off-road 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.