ATV & Off-Road Insurance
What is ATV Insurance in California?
ATV insurance in California is coverage that protects your all-terrain vehicle from financial loss due to accidents, theft, vandalism, or weather-related damage. It is designed for individuals who use ATVs for recreation, ranching, farming, hunting, or other outdoor activities across California.
An ATV insurance policy in California can include:
- Liability coverage for property damage or bodily injury you cause to others
- Collision coverage for damage to your ATV after an accident
- Comprehensive coverage for non-collision events such as theft, fire, or storm damage
While California does not always require ATV insurance for use on private property, coverage may be required if your ATV is financed or used in certain public areas. Having the right ATV insurance in California helps cover repair costs, medical expenses, and other unexpected losses so you are not paying out of pocket after an incident.
If you ride regularly, proper ATV insurance coverage protects both your vehicle and your finances.
What’s the Average Cost for ATV Insurance in California?
On average, ATV insurance in California costs between $100 and $500 per year for basic coverage, depending on several key factors, including:
- The type and value of the ATV
- How the ATV is used, whether recreational or commercial
- Your driving history
- The coverage limits and deductibles you select
- Your location within California, as certain areas may carry higher risk factors
Premiums can vary based on how often you ride and where the ATV is stored. Higher-value models or expanded coverage options will typically increase the annual cost.
Want an exact number? The best way to find out is to request an ATV insurance quote in California so you can see pricing tailored to your specific vehicle and situation.
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
Polaris Insurance and Polaris Slingshot Insurance in California
Farmers Insurance – Young Douglas also writes coverage for Polaris owners. Polaris ATVs, side-by-sides, and Polaris Slingshots all fall under off-road or specialty vehicle insurance, and each requires the right type of protection. These vehicles come with higher horsepower, stronger performance, and unique driving risks, and coverage helps protect you from costly accidents, theft, and liability claims.
We offer policies for:
- Polaris ATVs
- Polaris RZR
- Polaris Ranger
- Polaris Sportsman
- Polaris General
- Polaris Slingshot
If you ride a Polaris or drive a Slingshot on California roads, we can help you get the right coverage for your vehicle, your riding style, and your needs.
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.
Cheap ATV & Off-road Insurance Near Me
At Farmers Insurance - Young Douglas, we understand that it's important to find cheap 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
Frequently Asked Questions
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.