2026 Calculator
ATV Insurance Calculator
Estimate your ATV coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does ATV insurance cost in 2026?
ATV insurance costs $100-$400 per year for recreational use. Utility ATVs average $150-$250/year, while sport ATVs and UTVs (side-by-sides) can cost $250-$500. Rates depend on ATV value, usage, and rider experience.
Is ATV insurance required by law?
Most states don't require ATV insurance for private land use, but it's required for riding on public trails in some states. Liability coverage is highly recommended since homeowner's policies typically exclude motorized recreational vehicles.
What does ATV insurance cover?
ATV insurance covers liability (bodily injury, property damage), collision damage, comprehensive (theft, fire, vandalism), uninsured motorist, medical payments, and aftermarket accessories. Some policies include roadside/trailside assistance.