Off-road vehicle insurance
Find off-road vehicle 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.
Types of off-road vehicles insured
ATV/UTV
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.
Dirt bike
Continue unearthing your passion for adventure while ensuring you’ve got the dirt bike insurance you need.
Snowmobile
We provide affordable snowmobile coverage and a range of discounts to help you get the most value from your insurance.
What off-road vehicle insurance covers
It’s common to assume your homeowners or car insurance policy also covers your off-road vehicles. While your homeowners or car insurance policies may provide minor protection, accident costs can add up quickly.
When you get a quote from Dairyland®, we design your off-road insurance policy with your lifestyle in mind, ensuring you’ve got options for coverage beyond basic liability*, including:
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 vehicle insurance discounts
We offer several discount** options for each type of off-road vehicle. And if you bundle one off-road vehicle or motorcycle with another into a single policy, you can potentially save even more. Get a quote today and see how you can save.
Is ATV/UTV insurance required?
Proof of off-road vehicle insurance may be required depending on your location and your off-road vehicle of choice. 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 insurance.
Even if it’s not required, off-road insurance can be vital in a life-altering accident. After an accident of this nature, you don’t want expensive medical bills and other debt to be an added challenge.
Additional powersports products
Motorcycle
Trusted by bikers for more than 50 years, we provide the coverages, discounts, and claims support riders can depend on.
Scooter and moped
We offer reliable, flexible coverages and a range of discounts to help protect you and your scooter or moped.
Have more off-road insurance questions?
Call us at 866-324-7952 to speak to a friendly, knowledgeable customer service representative, get everything you need, and start your quote for reliable off-road vehicle insurance.
We also have a full library of resources to learn more about insurance and what type of coverages might be best for you.
Off-road vehicle insurance FAQs
Are passengers covered or only the driver?
Passengers are typically covered if the policy has Guest Passenger Liability coverage. In most states it’s automatically included in Bodily Injury coverage at the same limits.
Are custom upgrades, accessories, or aftermarket parts included?
When you have comprehensive coverage, then these upgrades or parts are usually included under Optional Equipment coverage. $1,000 is automatically included, with additional coverage available in $1,000 increments up to $20,000. The total insured actual cash value of the off-road vehicle, including optional equipment, up to $60,000.
Can the policy extend to contents, gear, or items carried on the vehicle?
When your policy includes comprehensive coverage, it’ll typically include replacement cost coverage of up to $2,000 for safety apparel, including items such as helmets and protective eyewear.
Are discounts or multi-policy bundles available?
Yes, off-road insurance discounts are available, depending on the type of vehicle and other eligibility factors. There’s also a multi-vehicle discount that can cover a mix of different vehicle types, including off-road and motorcycles.
Get an off-road vehicle insurance quote today.
*Coverages and requirements vary by state. See your policy for complete coverage details.
**Not all discount options are available in all states.