ATV & Off-Road Insurance

What is ATV Insurance?
ATV insurance policy provides coverage that offers financial protection for all-terrain vehicles (ATVs) in case of accidents, theft, or damage caused by natural disasters. It is designed for those who use ATVs for work or recreational purposes, such as farmers, hunters, or outdoor enthusiasts. The policy can offer liability coverage for property damage or bodily injury caused to others, as well as collision and comprehensive coverage for damage to the ATV itself. This insurance policy is essential for anyone who uses ATVs frequently, as it can help protect against the significant costs associated with accidents or other unexpected incidents.
With ATV insurance, you can have peace of mind knowing that you are protected and can enjoy your off-road adventures with confidence. So if you own an ATV, consider investing in ATV insurance to ensure that you are covered for any unexpected events that may occur while enjoying your ATV.
What’s the Average Cost for ATV Insurance?
On average, ATV insurance costs between $100 and $500 per year, depending on:
- Type and value of the ATV
- Usage (recreational vs. commercial)
- Driving history
- Coverage limits and deductibles
- Location (some areas have higher risk factors)
Want an exact number? We’ll help you find the right plan at the right price.
Affordable ATV & Off-Road Terrain Insurance
Before you go off-road, make sure you’re protected. Farmers Insurance – Young Douglas offers a variety of insurance options for:
- All-Terrain Vehicles (ATVs)
- Motocross and Dirt Bikes
- Snowmobiles
- Mopeds
- Trikes
- Scooters
- Custom Choppers
- Vintage & Antique Bikes
- Touring & Sport Bikes
Get an ATV Insurance Quote in Minutes
Looking to compare coverage options? Get an ATV insurance quote from Farmers Insurance – Young Douglas and see what your options look like. Our team offers quick, no-obligation quotes to help you get the right protection without overpaying.
ATV & Off-Road Insurance Near Me
At Farmers Insurance - Young Douglas, we understand that it's important to find affordable ATV insurance that is accessible and convenient. That's why we offer ATV and all Terrain insurance quotes to residents of Northern and Southern California, both online and over the phone. Whether you're looking for coverage in your hometown or a nearby city, we're here to help you find the best premiums and protection for your needs.
ATV Insurance Coverage
Bodily Injury Liability:
- Protects you if you cause an accident and someone is injured. It typically covers the other person's medical expenses.
Property Damage Liability:
- Protects you if you're at fault in an accident that damages someone else's property. It typically pays for expenses related to repairing or replacing the damaged property, such as vehicles, homes, or buildings.
Collision Coverage:
- Helps pay for the cost of repairing your ATV if it is damaged in a collision with another object, such as another ATV, a tree, or a fence.
Comprehensive Coverage:
- Protects your ATV from damages caused by a variety of events, such as flooding, wind, vandalism, and theft. It also covers damages that are not caused by a collision with another vehicle.
Related Services: Auto Insurance