Coverage Guide
ATV Insurance Guide
ATV types and coverage options
ATV Type Rates
| Type | Description | Rate Factor |
|---|---|---|
| Sport ATV | High-performance racing | ×1.3 |
| Utility ATV | Work/ranch/farm use | ×0.9 |
| Youth ATV | Under 90cc, kids | ×0.7 |
| Side-by-Side (UTV) | 2+ seats, roll cage | ×1.2 |
| Touring ATV | Comfort, long-distance | ×1 |
Coverage Options
Comprehensive
Theft, fire, weather
Collision
Accident damage
Accessories
Aftermarket parts