ATV insurance is a type of insurance that helps protect you financially in the event that your all-terrain vehicle (ATV) is damaged or stolen. Whether you use your ATV for recreation, work, or both, it’s important to have the right coverage in place in case something goes wrong.

At Wood Insurance, we can help you find the right ATV insurance policy for your needs and budget. We’ll work with you to understand your unique risks and make sure you have the coverage you need.

Do you need ATV insurance?

ATV insurance can help pay for repairs or replacements if your ATV is damaged in an accident. It can also provide liability coverage if you’re found responsible for damage or injuries caused by your ATV. In some cases, it may even cover theft.

Without insurance, you would be responsible for paying for all of these costs out of pocket, which could be very expensive. Even if you are a careful rider, accidents and theft can happen to anyone at any time.

What does ATV insurance cover?

ATV insurance policies typically cover:

Collision damage:

If your ATV is damaged in an accident, collision coverage can help pay for repairs or replacement.

Comprehensive damage:

This type of coverage can help pay for repairs if your ATV is damaged by something other than a collision, such as fire, theft, or vandalism.


If you’re found responsible for causing damage or injuries with your ATV, liability coverage can help pay for the resulting costs. This could include medical bills, property damage, and legal fees.

Personal injury protection (PIP):

Also known as “no-fault” coverage, PIP can help pay for medical expenses and lost wages if you’re injured in an ATV accident, regardless of who is at fault.

Uninsured/underinsured motorist:

If you’re in an accident caused by an uninsured or underinsured driver, this type of coverage can help pay for your damages.

What to look for in an ATV insurance policy

When you’re shopping for ATV insurance, there are a few things to keep in mind:

Coverage limits:

This is the maximum amount your policy will payout for each type of coverage. Make sure the limits are high enough to cover the cost of repairs or replacement if your ATV is damaged.


This is the amount you’ll have to pay out of pocket before your insurance kicks in. A higher deductible means lower premiums, but make sure you can afford the deductible if you need to make a claim.

Policy exclusions:

Some things may not be covered by your ATV insurance policy, such as damage caused by racing or off-roading. Be sure to read the fine print so you know what’s covered and what’s not.


We offer discounts for things like taking a safety course or insuring multiple ATVs. Ask about any discounts that may be available to you.

How much does ATV insurance cost?

The cost of ATV insurance varies depending on several factors, including the type and value of your ATV, your coverage limits, your deductible, and the discounts you qualify for. In general, you can expect to pay anywhere from a few hundred to several thousand dollars per year for ATV insurance. Get a quote from Wood Insurance today!

The drawbacks of not having ATV insurance

If you choose not to insure your ATV, you’ll be responsible for paying for any damages or injuries caused by your ATV out of pocket. This could end up costing you thousands of dollars, especially if your ATV is involved in a serious accident.

How to file an ATV insurance claim

If you need to file an insurance claim, we’ll be there to help. Just give us a call and we’ll walk you through the process. We’re here to help make things as easy as possible for you.

Thank you for considering Wood Insurance Consultants for your ATV insurance needs! We know that accidents happen, and we want to be there to help if they do. We offer a variety of coverage options so you can find the right policy for your needs and budget. Give us a call today, and we’ll be happy to answer any questions you have.