🏕️ Off-Road Vehicle Insurance

Hit the trails.
Not your wallet.

ATVs, UTVs, dirt bikes, and snowmobiles are excluded from personal auto and homeowners policies. Specialty off-road coverage protects you wherever the pavement ends.

✓ ATVs & UTVs✓ Dirt Bikes✓ Snowmobiles✓ Custom Equipment
Specialty Carriers We Work With
ProgressiveMarkelForemostNational GeneralBristol West+ 8 more
✦ Free & No Obligation

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Why It Matters
Coverage built for
what you actually own.
🏕️

Your Auto Policy Stops Where the Pavement Ends

Personal auto policies specifically exclude off-road vehicles. Even if you load your ATV on a trailer covered by your truck policy, the ATV itself is not covered while in use. Specialty off-road coverage fills this gap entirely.

🏕️
$0
What standard auto or homeowners pays for ATV/UTV damage — you need a dedicated policy
🤕

Medical Payments

Off-roading carries real injury risk. Medical payments coverage pays for your medical bills and those of your passengers regardless of who was at fault.

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Custom Equipment & Accessories

Winches, roll cages, lift kits, stereos, and performance modifications can be scheduled for agreed-value coverage so your investment is fully protected.

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Riding on Public Lands — Liability Matters

Many state and federal riding areas require proof of liability insurance. Off-road liability coverage protects you if you injure another rider or damage property during your ride.

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Coverage Breakdown
What your policy
actually covers.
Coverage TypeWhat It CoversStatus
Liability
Covers injuries and damage to others during off-road useStrongly Advised
Collision
Repairs your vehicle after a collision with another vehicle or objectRecommended
Comprehensive
Theft, fire, weather, vandalism when not in useRecommended
Medical Payments
Your medical costs and passengers after an accidentStrongly Advised
Uninsured Motorist
Protection if hit by an uninsured riderOptional
Custom Equipment
Winches, cages, lifts, electronics, performance partsOptional Add-On
Transport Coverage
Coverage while loading/unloading from trailerOptional Add-On
Client Stories
Real people.
Real coverage that paid off.
★★★★★
Finally covered
"I have a $28,000 Polaris RZR and it was completely uninsured. CoverGuard got me covered with agreed value, liability, and medical in the same policy. Exactly what I needed."
CR
Carlos R.
UTV Owner · Whittier
★★★★★
Quick and easy
"Called on a Friday afternoon and had my KTM covered by Saturday morning. Fast process and the agent knew exactly what off-road riders need."
TP
Tyler P.
Dirt Bike Rider
FAQ
Your questions,
answered.
Does auto insurance cover ATVs and UTVs? +
No. Personal auto insurance policies specifically exclude off-road vehicles. You need a separate specialty policy for ATVs, UTVs, and other off-road vehicles.
Do I need insurance to ride on public trails? +
Many state and national parks, OHV areas, and recreation areas require minimum liability insurance to ride. Some require registration as well. We'll make sure you have what's required for the areas you ride.
Is my ATV covered when stored or trailered? +
Comprehensive coverage on a specialty off-road policy covers theft, fire, and weather damage when stored. Coverage while being trailered can be added — make sure both the trailer and vehicle are properly covered.
Can I insure a golf cart? +
Yes. Modified or high-speed golf carts, neighborhood electric vehicles, and LSVs can all be insured under specialty policies. Standard golf carts used only on a golf course may be covered differently.

Don't leave it unprotected.

Free quote. Same-day coverage available. Specialty insurance experts ready to help.

Get My Free Quote →📞 (562) 758-1200
🏕️ Get My Off-Road Quote