Coverage for your ATV/ORV
Enjoy the thrill of every jump, dip and turn even more by knowing you're protected. Cribb Insurance offers multiple carriers and insurance coverage beyond your auto and home policies—for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, (ORV)Off road vehicles, trail bikes and more. Talk to one of our agents about your ATV insurance options today.
Four-wheelers and side-by-sides can be serious fun, so make sure you and your all-terrain vehicle (ATV) or utility vehicle (UTV) are protected whether you’re a full-time rancher or part-time adventure seeker.
Is ATV insurance required?
Not all states mandate insurance on your ATV or UTV, but places where you ride it might—like private property areas and state or public parks. Also, if you’re financing your vehicle, some lenders will require comprehensive and collision coverage.
Is your ATV covered by your home insurance policy?
Home insurance typically only covers your ATV for scenarios when the ATV is used to maintain your residence property only. That means you’ll need a separate ATV/UTV policy for accidents that occur away from home. Plus, even if your home and ATV insurance are with the same company, it’s usually more cost effective to file an insurance claim under your ATV policy rather than your home policy.
What does ATV/UTV insurance cost?
Your price will depend on many factors, including your ATV’s make, model and location. Your age and driving history will also help determine your rate.
ATV insurance discounts
Here are some of the many discounts you could qualify for* when you buy ATV or ORV insurance policy from one of the Cribb Insurance group carriers:
Safety course: If you’ve completed an approved ATV, motorcycle or snowmobile safety course within the past three years, you’ll receive a discount on your ATV policy.
Multi-policy: Already have another policy with the same carrier, such as auto, home, renters, RV or boat? We'll add a discount for bundling to your ATV policy. See more on the benefits of bundling insurance.
Pay in full: Pay your ATV policy in full, up front, and we’ll add another discount.
Advance quote: Get an ATV/ORV insurance quote at least seven days prior to starting your policy and earn a discount on your policy just for shopping in advance.
What does ATV/UTV insurance cover?
ATV/ORV coverages will protect your vehicle and/or your finances if you’re sued because you’re liable in an accident.
Bodily injury and property damage liability
Pays for injuries you cause to someone else or damages to their vehicle or property while you’re riding your ATV or ORV. Legal costs are also covered if you’re sued.
Liability coverage isn’t required by law in every state, but injuries often cost ATV owners thousands. Bodily injury coverage, especially, can help you avoid a potential financial burden as the average injury claim is over $8,000.
Uninsured/underinsured motorist bodily injury and property damage
Covers you and your passengers if you’re on your quad or side-by-side and are injured by another driver or rider with no insurance or not enough insurance. You’re also covered if an uninsured/underinsured driver damages your vehicle.
Comprehensive and collision
A primary concern among ATV/ORV owners is protecting their vehicle against theft. Comprehensive coverage pays to repair or replace your ATV (or UTV) if it is stolen, vandalized, or damaged due to fire, hitting an animal or an act of nature. Collision covers damage to your vehicle if you’re in an accident with another vehicle or object.
Comprehensive and collision aren’t mandatory unless you’re financing your ATV but are highly recommended if you wish to safeguard your vehicle.
If you’re in an accident with your ATV or UTV, even if you simply fall off your vehicle, medical payments can pay for medical and funeral expenses (up to your policy’s limits) for you and your passengers.
In some states, personal injury protection is offered for medical payments and protects you similarly.
Accessories and custom parts/equipment
With most of our carriers, ATV/ORV insurance coverage automatically includes $1,000 in coverage for upgrades you've made to your vehicle. Need more than $1,000? You can purchase up to $30,000 in additional coverages and benefits coverage depending on the carrier you choose.
Total loss coverage for new ATVs
If your ATV or ORV is no more than one model year old on a new policy or two model years old on a renewal policy with full physical damage coverage, depending on the carrier you choose, they will pay you the full MSRP if your vehicle is totaled. A deductible applies.
If your ATV or ORV contains original manufacturer equipment parts in your vehicle, depending on the carrier you choose, they will use the same when it comes to repairs.
Your ATV or ORV is often your work horse, as you use it to hunt or plow. Carried contents coverage protects your camping equipment, hunting gear, and any personal property that could fall out of your vehicle.
The carrier will pay to tow your ATV/ORV to the nearest repair shop if your vehicle is disabled within 100 feet of the road.