Off-road insurance

Stay covered as you hit the trails
Illustration of an ATV, snowmobile, and dirt bike in the mountainsIllustration of an ATV, snowmobile, and dirt bike in the mountains

Get insured

Insurance for your dirt bike, snowmobile, ATV, or UTV

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

Protect your off-road vehicles

Illustration of an ATV


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

View ATV/UTV insurance
Illustration of a dirtbike

Dirt bike

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

View dirt bike insurance
Illustration of a snowmobile


We provide affordable snowmobile coverage and a range of discounts to help you get the most value from your insurance.

View snowmobile insurance

Off-road insurance coverages

It’s common to assume your homeowners or auto insurance policy also covers your off-road vehicles. While these policies may provide minor protection, it can be 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 liability

  • Collision

  • Comprehensive

  • Guest passenger

  • Medical expense

  • Optional/special equipment

  • Physical Damage Plus

  • Property damage liability

  • Underinsured motorist bodily injury

  • Submersion coverage

  • Enhanced permissive use

  • Transport trailer coverage

Off-road insurance discounts

We offer several discount** options for each type of off-road vehicle—simply select your vehicle type above to get started. And if you bundle your off-road vehicle coverage under a single Dairyland® policy, you could potentially save even more.

Illustration of a person leaning against an ATV

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

Additional powersports products

Purple motorcycle


Trusted by bikers for more than 50 years, we provide the coverages, discounts, and claims support riders can depend on.

View motorcycle insurance
Purple scooter

Scooter and moped

We offer reliable, flexible coverages and a range of discounts to help protect you and your scooter or moped

View scooter and moped insurance
More resources for off-road riders
We're committed to helping you ride safely, legally, and as often as you can.
ATV rider gives thumbs up to other ATV rider.
If you own an off-road vehicle, it may not be covered under your auto or motorcycle policy. See how purchasing off-road insurance can help protect you and your ORV.
Child on an ATV
Thinking about taking your family on an off-road adventure? Learn about safe riding practices, essential safety gear, and what you should know before letting kids under 16 ride ATVs.
Man properly hosing down dirty ATV.
A well-maintained ATV or UTV can help keep you safe on the trail. With the right tools, you can perform some maintenance at home, while other tasks are best left to the pros. Here’s our guide.

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