ATV vs UTV: Main differences explained

These off-road vehicles (ORV) may look similar at first glance, but they're built for different types of riders and terrain. Let’s review what sets them apart:

• ATVs (All-Terrain Vehicles) are single-rider machines with a straddle seat and handlebars—designed for tight trails and solo fun. Often called quads or four-wheelers, ATVs are typically light, fast, and nimble.

• UTVs (Utility Task Vehicles) or side-by-sides, feature bucket seats, a steering wheel, and foot pedals. They’re built for multiple passengers and heavy lifting. Think of them as the SUV of the off-road world, often with roll cages, seat belts, and cargo space.

_{*Actual prices vary based on brand, features, and location.}

If you’re thinking about purchasing an ATV or UTV, the best choice depends on how you plan to ride—and whether you’ll be exploring solo or with others. Think about the kinds of adventures or tasks you’ll take on most often:

ATVs are a strong fit for riders who want:

• Trail riding: Agility for navigating narrow, winding paths.

• Sport and recreation: A faster, more personal ride.

• Remote access: Getting into tight areas for hunting or fishing.

UTVs are a better choice for riders who prefer:

• Group outings: Extra seats for family or friends.

• Hauling and work: Space to move tools, equipment, or firewood.

• Outdoor adventures: More capacity for passengers and gear on hunting or fishing trips.

Prefer independence, agility, and speed? An ATV might be the better fit. Taking on work tasks or heading out with a group? A UTV offers the comfort and capability to get it done.

It’s also important to think about your budget—not just the vehicle price, but long-term ownership. A simple spreadsheet can help you track recurring costs like fuel, maintenance, accessories, riding gear, and insurance. In many cases, long-term value can outweigh the lowest upfront price.

Typical costs to keep in mind:

• ATVs: Many new ATVs start around $5,000–$15,000*, with lower routine maintenance costs. They’re often the more affordable option to buy and maintain.

• UTVs: New UTVs often range from $10,000–$30,000+.* They cost more upfront but provide added space, hauling ability, and comfort features.

Comparing long-term value:

• A basic ATV might cost less initially, but if you plan to carry passengers, haul gear, or ride long distances, you could outgrow it quickly.

• A UTV requires a larger investment, but its versatility may reduce the need for multiple vehicles or modifications in the future.

When choosing between an ATV and UTV, consider both the upfront price and the long-term costs of ownership. Insurance costs can also vary depending on the vehicle type, coverage level, and how you plan to use it.

ATVs and UTVs each come with unique safety concerns. ATVs are more likely to tip on slopes or tight turns because they require you to shift your body weight for balance. UTVs offer added protection like seat belts, roll cages, and side-by-side seating—but they’re heavier, which can make them harder to control on slick or steep terrain.

No matter which vehicle you choose, keep these safety tips in mind:

• Wear the right gear: Always wear appropriate off-road safety gear including a DOT-approved helmet, gloves, goggles, over-the-ankle boots, and long-sleeves and pants.

• Buckle up in UTVs: Always use seat belts and keep hands, arms, and feet inside the vehicle.

• Stay alert: Watch for changes in terrain, weather, and wildlife that could impact your focus and ride safety.

• Take it slow on slopes: Whether you’re in an ATV or UTV, reduce speed on steep or unfamiliar ground—and avoid carrying extra passengers or cargo unless your vehicle is designed for it.

• Never ride under the influence: Stay sharp and ride sober—off-road environments demand full attention.

The right vehicle is only part of your off-road plan—protecting it matters, too. In some states, ATV or UTV insurance is required by law, especially when riding on public lands or roads. Even when it’s optional, coverage can help with the costs of accidents, damage, or theft. Where and how you use your vehicle—whether it’s for recreation, work, or both—can affect the kind of protection that makes sense for you.

Dairyland^®, a brand of the Sentry Insurance Group, offers off-road insurance designed for ATVs and UTVs. Whether you’re carving tight trails or hauling gear across your property, our coverage options can be tailored to fit your ride. Contact us today today to explore your options.