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What ATV Insurance Covers Most insurance companies cover ATVs under their motorcycle insurance policy. The process for gathering an online quote for an ATV is identical to that of a motorcycle (or moped or scooter). The only difference is a shopper enters vehicle information for their ATV, instead of a motorcycle. Here are coverages included in policies and optional for purchase. Bodily Injury Liability: This coverage pays for damages associated with anyone injured or killed in an accident associated with your ATV. It will also cover any legal fees resulting from any litigation against the policyholder. In both circumstances, this part of ATV insurance will cover up to the claim limits of the policy. The limits of bodily injury liability are typically an amount per person and a total amount per accident, regardless of the number of those involved. To avoid injuries and liability claims related to an ATV, there are a number of things owners can do. Keep your ATV garaged or secured so that only those with permission and supervision can ride it. Even if someone does not have permission to ride an ATV, an ATV owner might be found liable for their injuries suffered while riding it. It’s also important to follow the guidelines of every ATV. Not adhering to them might compromise the vehicle performance or a rider’s. For example, every vehicle has weight restrictions -- do not overload any haul or cargo. Most four-wheelers are designed for one person and make sure that driver is the appropriate size for the ATV. No one should ever operate an ATV under the influence of drugs or alcohol. Property Damage Liability: This coverage is similar to bodily injury liability, except it pays for the cost of any damage an ATV driver might cause to another person’s property. This includes personal property (such as any belongings) as well as their home or yard. Property damage liability also has a claim limit per damage incident. The limit is typically as much or lower than the per person limit of the ATV policies bodily injury liability. For example, if an ATV policy has a bodily injury limit of $25,000 per person/per accident, the same policy’s property damage limit might be $25,000 or lower. Medical Payments (Optional): Medical payments coverage pays for any medical expenses incurred by those riding your ATV. It will cover things like surgeries, x-rays, a hospital stay and even transportation via ambulance. Medical payments coverage is designed with other riders of your ATV in mind. As an owner and policyholder, your health insurance policy would cover most of any necessary medical expenses incurred while riding your own ATV. Uninsured/underinsured motorist (Optional): In the event you or someone riding your ATV are injured by someone else who doesn’t have insurance, or not enough of it, these coverages will cover those expenses. Ideally, if someone else is at fault for your injury or damages, their insurance company would cover those costs they are responsible for. However, even when insurance is required by law, some individuals might fail to purchase it. Uninsured/underinsured coverage for ATV insurance also has claim limits. Like bodily injury liability, both uninsured and underinsured motorist coverage have limits per individual and per accident. Collision (Optional): This coverage pays to repair any damages to an ATV caused by a collision with another vehicle or if it overturns. Policyholders choose a deductible -- the amount they pay before their insurer begins to cover costs -- and the insurance company will cover up to the cash value of the ATV. To keep premiums low, an owner of an ATV with a low cash value might choose to forgo this coverage. Collision coverage is often required of owners who financed the purchase of their ATV or are leasing it. Comprehensive (Optional): Comprehensive coverage pays for damages to an ATV that are not caused by a collision with another vehicle. It also covers losses due to theft, vandalism, flooding, earthquakes, fires and other causes. Like collision, comprehensive coverage has a deductible. For example, if someone steals your ATV, you could file a comprehensive claim and your insurer would pay up to the cash value to replace it. ATV Insurance Cost ATV insurance is also usually less expensive than motorcycle insurance, even though ATVs are covered under motorcycle insurance policies offered by a number of companies. There could be a number of reasons for this but the most likely are related to ATV use. Most motorcycle and ATV accidents are single-vehicle incidents, so injuries stem from inherent dangers of motorcycles and ATVS, not other vehicles on a road or path. Taking that into consideration, people probably spend less time and drive fewer miles on ATVs than motorcycles, resulting in fewer accidents and claims. ATVs typically can’t travel as fast and don’t have as high a top speed as most motorcycles, either. In the table below is a breakdown of ATV coverage from GEICO for a 45-year-old male in the state of New Jersey. The sample ATV we gathered a quote for was a 2015 Yamaha Banshee. You’ll notice the cost of basic bodily injury and personal property liability is relatively inexpensive ($99), as well as medical payments and uninsured/underinsured motorist coverage. Adding collision and comprehensive coverages increased the cost by hundreds of dollars. Comprehensive coverage likely increases the cost of a premium by a lot because ATVs, like motorcycles, are highly sought after by thieves and generally easier to steal than a car or boat.

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