Get your off-road insurance

When off-road adventures call, don’t let a lack of insurance stand in your way. Dairyland® offers the reliable coverages and convenient claims services you need to help protect you, your family, and the off-road vehicles of your favorite pastimes.

Get a free off-road insurance quote for your ATV/UTV, side-by-side, 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 fully covered.*

Here’s what Dairyland off-road insurance offers to 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: If you’re not required to purchase off-road insurance it’s still recommended for instances such as life-altering accidents that can occur. After an accident of this nature, you don’t want debt to be an added challenge.
  • Additional protection: Off-road insurance is designed with your lifestyle in mind, ensuring you’ve got options for full coverage beyond liability, including custom equipment, submersion, and trailer transport of your off-road vehicle.

Off-road insurance discounts

Dairyland offers lots of discount** options to help adventurers like you save on your insurance. Explore the ATV/UTV, dirt bike, snowmobile, motorcycle, or 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

Bundle your off-road vehicle coverage with Dairyland

We offer additional powersports products


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


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

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