The importance of off-road insurance

ATV rider gives thumbs up to other ATV rider.
ATV rider gives thumbs up to other ATV rider.
Author Leah Hermanson
Senior Director of Direct Sales – Dairyland
January 29, 2024
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Why is off-road insurance important? Well, for starters, most homeowner and auto insurance policies don’t fully cover your off-road vehicles (ORVs) or your actions while using them—especially when you leave your property.

Without securing an off-road insurance policy, you could find yourself paying thousands of dollars out-of-pocket for off-road claims if you're involved in an accident. Something as routine as a cracked windshield can be expensive to replace—now imagine you're at-fault in an accident that severely injures another rider.

Here are 3 types of off-road vehicles we insure:

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
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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.

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Planning a day-trip with your ORV?

Get a free off-road insurance quote to make sure you’re protected out on the trails.

Advantages of off-road insurance

At its most basic level, having off-road insurance allows you to legally operate your off-road vehicle in more locations than you'd be able to without it. For example, even towns and cities that allow four-wheeling on main roads often require riders to carry insurance for their ORVs.

Additionally, your off-road insurance policy can help protect you financially following a range of potential incidents. Depending on the coverages you choose to add to your policy, you could have coverage for:

  • Theft

  • Accidental damage from fire, water, or severe weather

  • Third-party liability if you injure someone or damage their property while riding

Maximize your adventures with Dairyland® off-road insurance

As a brand of the Sentry Insurance Group, we've been providing quality off-road insurance coverage at competitive rates for decades.

Your adventures may take you to places with increased risk, which can be especially dangerous if you’re not familiar with the terrain. It’s worth looking into specific coverages (physical damage plus, submersion, and guest passenger to name a few) that could be particularly useful if you’re in an accident out on the trail.

Give yourself the ability to ride freely, knowing you're protected. We offer the following coverages* for off-road riders like you:

  • Bodily injury liability 

  • Collision

  • Comprehensive

  • Guest passenger

  • Medical expense

  • Optional/special equipment

  • Physical Damage Plus

  • Property damage liability

  • Uninsured/underinsured motorist bodily injury

  • Submersion coverage

  • Transport trailer coverage

Not sure what coverages are available and/or required in your state? Interested in bundling your off-road insurance with an existing motorcycle insurance policy?

Contact Dairyland for a free quote and ask about off-road insurance discounts** today!

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The general information in this blog is for informational or entertainment purposes only. View our blog disclaimer.

*Coverages and requirements vary by state. See your policy for complete coverage details.

**Not all discount options are available in all states