ATV insurance designed for the way you ride

Experience the freedom to ride wherever the trail takes you.

Whether you're four-wheeling or working muddy fields, protection means more than just wearing safety gear and driving responsibly. It also means protecting yourself and your all-terrain vehicle with specialized off-road vehicle insurance. That's where we come in.

Unlike some insurance companies that treat an off-road vehicle as an afterthought or add-on, we create specialized policies that recognize the unique hazards you face when clawing through rough terrain on your ORV. In fact, our coverage features options that many homeowners or auto insurance carriers may not provide—extras such as diminishing deductibles and protection for accessories like your snowplow, bow rack, custom seats, or hitch.

Why do I need ATV insurance?

An ATV insurance policy will cover you if you ride on or off of your property and if you trailer your off-road vehicle to another location. It’s also important to keep in mind that a lot of state-owned and public parks require ATV insurance in order to ride on their trails. Your ATV may not have coverage in these three areas if it is included under your homeowners or auto insurance policy.

With ATV insurance from Markel Specialty, you can drive however far off the beaten path you want to go. It's the freedom and peace of mind that comes with every Markel Specialty policy. Get a free online quote today.

What does ATV insurance cover?

It's a simple fact. Your ATV or UTV may need protection that's different from what your auto or homeowners insurance can provide. That's why our specialized off-road insurance coverage is tailored to help meet your unique needs.

Coverage for your ATV or UTV

Collision
Dents, scratches, and mud splatters on your quad are a badge of honor. Colliding with a tree and smashing the entire front end? Well, not so much. Enter Markel Specialty's collision coverage. It can provide insurance protection in the event of an accident caused by a collision or upset. Deductible options are $500, $1,000, $1,500, or $2,000.

Comprehensive
Fire. Theft. Vandalism. Or even hitting a deer. With comprehensive UTV and ATV insurance coverage, you don't have to worry about replacing your quad. This coverage provides insurance protection for damage to your quad caused by a non-collision event. ATV and UTV insurance costs vary according to the deductible options: $500, $1,000, $1,500, or $2,000.

Accessory coverage
Accessory coverage is for items not included as standard by the manufacturer of your ATV/UTV. These can include, but are not limited to, plows, windshields, racks, safety guards, custom seats, radios, and even your helmet and riding gear (if used exclusively with the insured ORV). Accessory packages ranging from $500 to $30,000 are available.

Uninsured/underinsured motorist property damage
This coverage can provide additional insurance protection against damage to your ATV or UTV caused by a motorist who has no insurance or insufficient coverage, and is considered at fault.

Coverage for you

Medical payments coverage
Sometimes health insurance just doesn't cover every medical bill. That's where medical payments coverage enters the picture. It can provide excess medical payments coverage (after other medical coverage) for the insured off-road vehicle's operator or passenger regardless of fault, subject to coverage limit and deductible.

Uninsured/underinsured motorist bodily injury
This coverage can provide insurance protection for your injuries or death if you are involved in an ATV/UTV accident with a motorist who has no insurance or insufficient coverage, and is considered at fault.

Funeral expense coverage
Coverage up to a predetermined amount for funeral expenses associated with an ATV/UTV accident resulting in the death of an insured person who was occupying the insured ATV/UTV.

Coverage for others

Bodily injury liability
As you well know, riding an all-terrain vehicle or utility terrain vehicle can be dangerous—even for the safest and most experienced riders. Bodily injury liability coverage can help protect you if you're at fault in an ATV/UTV accident that causes injury, sickness, or death to someone else.

Property damage liability
Many of us have been there. That is, taking out a neighbor's fence or accidentally damaging something on their property. Markel's property damage liability coverage can provide insurance protection if you're at fault in an ATV/UTV accident that causes damage to someone else's property.

Discounts
DISCOUNTS
Get the coverage you deserve at a rate you’ll love with our numerous money-saving discounts and diminishing deductible.
Documents
RESOURCES
From ATV safety tips to breaking down insurance coverage options, find the information, advice, and resources you’ll need all in one place.
FAQ
FAQs
ATV insurance doesn’t need to be complicated. Explore our most commonly asked questions about ATV insurance and get the answers you’re looking for.

Policies as low as $50 per year.

The trail starts here. Get a fast, free online quote today and get the protection and peace of mind you deserve. Plus, save up to 35% with our discounts.

Or call 800-236-2453 to speak with an ATV insurance specialist.

This content is provided for informational purposes only. Terms, conditions, and exclusions apply. Coverage is provided by one or more of the insurance companies under the Markel North America Insurance Group, including Markel American Insurance Company, Glen Allen, VA, and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer # 27585, in California d/b/a Markel Insurance Services License # 0645481. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. Markel Specialty is a business division of Markel Service, Incorporated. Markel® is a registered trademark of the Markel Corporation.