How Much Does ATV Insurance Cost? Here’s the Average

If you own an all-terrain vehicle (ATV) or utility terrain vehicle (UTV), then having appropriate ATV insurance is critical. Not only can insurance protect you (and your wallet) in case of accident or injury, but depending on where you live, it might be required by law. 

Often, ATV insurance falls under the category of motorcycle insurance. For those looking to take out an ATV insurance policy, it’s important to know what the costs of coverage generally look like — as well as what factors can impact your premiums. In many cases, you may be eligible for various discounts that can lower the costs of your ATV and UTV insurance. 

If you’re on the hunt for UTV or ATV insurance coverage, this guide can help. Learn about the average costs of ATV insurance, factors affecting your premiums, common discounts, and more below.

On this page:

• What is the average cost of ATV insurance?
• How the type of coverage you select impacts your costs
• Other factors that affect ATV insurance costs?
• How to lower the cost of your ATV insurance
• Where can I compare ATV insurance?

What is the average cost of ATV insurance?

Based on our collection of quotes, the average ATV insurance cost is about $100.47 per month for a standard policy. This price can vary anywhere from $40.75 to $237.77 per month, depending on your desired level of coverage. 

To obtain our quotes, we used the following details:

1. Driver and driving record: Single, 30-year-old male, no accidents within the last five years (employed, no off-road safety course, not a member of any organizations)
2. Location: Houston, Texas (homeowner, 3211 Cochran Street, 77009)
3. Vehicle information: 2019 Yamaha Kodiak 450 (bought January 2019, owned outright, price new $7,600, used for pleasure, 1,000 miles per year)

Here’s how each insurance premium quote varied by company:

Company	Quote (Monthly)
Markel	Basic = $40.75 Standard = $53.42 Enhanced = $84.75
Progressive	Basic = $47 Standard = $61.50 Enhanced = $69.33
Nationwide*	Basic = $69.75 Standard = $93.17 Enhanced = $134.25
Allstate*	Basic = $103 Standard = $114 Enhanced = $135
GEICO	Basic = $145.37 Standard = $180.24 Enhanced = $237.77
Average	Basic = $81.17 Standard = $100.47 Enhanced = $132.22

*Discounts were automatically added at checkout. The other insurers listed did not disclose any automatically added discounts.
Note: Not all issuers offer the same coverage levels. For this reason, we focused on mentioning the level of coverage (basic, standard, enhanced) rather than listing specific amounts.

How the type of coverage you select impacts your costs

Generally, the more ATV insurance coverages you select, the more reimbursement you want, and the lower your deductible, the higher your premium will be. The most comprehensive insurance policies with the lowest deductibles tend to be the most expensive.

Below, you’ll see various coverage options through Allstate. The basic insurance policy, which includes the lowest levels of coverage, costs $103 per month. The highest-coverage plan — the enhanced policy — is $135 per month.

Coverage	Basic Policy	Standard Policy	Enhanced Policy
Bodily Injury	$30,000/person $60,000/accident	$100,000/person $300,000/accident	$250,000/person $500,000/accident
Property Damage	$25,000/accident	$50,000/accident	$100,000/accident
Medical Payments	$1,000/person	$2,500/person	$5,000/person
Uninsured or Underinsured	$30,000/person $60,000/accident	$100,000/person $300,000/accident	$250,000/person $500,000/accident
Collision and Comprehensive	$500 deductible	$250 deductible	$100 deductible
Quote	$103/month	$114/month	$135/month

When looking for any type of auto insurance, it’s essential to strike a balance between affordability and appropriate coverage. Monthly cost matters, but remember: If you’re in an accident, the amount of coverage will determine how much you’ll spend out of pocket, so this is an important factor as well.

In addition to coverage, several other factors can impact your ATV insurance rates.

Other factors that affect ATV insurance costs?

As you can see above, the type and amount of coverage you choose can significantly impact your insurance premiums. Additionally, some factors influence cost, including things like:

• Your location (zip code): This is two-pronged. First, your state may have specific requirements regarding coverage (particularly property damage liability, bodily injury liability, and death coverage). These state requirements can heavily influence your policy and how much it costs you. On top of this, other regional details can play a role as well — things like crime rates (is the vehicle likely to be stolen or vandalized?) and more.
• Usage: Just using your ATV for weekend fun once in a while? Insurance shouldn’t be too costly. If you’re riding your ATV or UTV to work each morning, or you plan to drive it 10,000 miles this year, you’ll likely pay more.
• Age: Your age and the age of other drivers/riders are important, too. Younger drivers are typically riskier and cost more to insure.
• Driving history: Have you had any traffic violations or accidents in recent years? Have you taken a safety course? How responsible you are as a driver will be a key influencer in your rates.
• Your vehicle: The cost to replace your ATV and how old it is will also be important. Typically, the newer or more expensive your ride is, the more it will cost to insure. 

Unhappy with a quote you’ve gotten? Because there are so many factors that play into ATV insurance premiums, there are quite a few steps you can take to reduce your insurance costs.

How to lower the cost of your ATV insurance

To get cheaper ATV insurance, you have three options: 1) select less coverage or smaller limits, 2) qualify for a discount, or 3) lower your risk in one of the categories mentioned above. For tips on the two latter options, see below.

ATV insurance discounts

Insurance companies often offer discounts for policyholders as ways to lower premiums and encourage good habits. Though specific discounts vary by insurer, here are a few common ones we’ve seen for ATV and UTV policies:

• Good driver: This rewards you for going a certain period with no accidents or claims. It may also reward you for taking a safety course.
• Homeownership: Some insurers (Allstate, for example) offer a discount specifically for riders who own their home.
• Better storage: If you keep your ATV or UTV in a secure garage or off-site storage facility, it may qualify you for a discount.
• Multiple vehicles/policies: Bundling your ATV coverage with coverage for your home or other cars may mean a discount, too.
• Anti-theft device: Installing an anti-theft device on your ATV can often qualify you for a reduced premium.
• Autopay: If you’re willing to set up an autopay for your monthly auto insurance bills, there could be a discount there as well.
• Membership in certain organizations: Many insurers offer discounts to specific organizations — like USAA or a motorcycle owners club.

Sometimes, paying your full year’s premium upfront (rather than monthly) can help, too.

Improve your standing with factors that influence policy costs

You can also lower the risk you present to the insurer in one of the above categories (age, usage, etc.). Some examples include driving safer, taking a driver safety course, occasionally using your ATV, buying a lower-cost vehicle, or not allowing younger drivers on board.

Where can I compare ATV insurance?

Comparing your options is key when looking to get an ATV insurance policy. Use the table above to get an idea of what coverage costs, and reach out to individual insurance companies for more personalized quotes for your all-terrain or utility vehicle.