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Coverage Guide

ATV Insurance Guide

ATV types and coverage options

ATV Type Rates

TypeDescriptionRate Factor
Sport ATVHigh-performance racing×1.3
Utility ATVWork/ranch/farm use×0.9
Youth ATVUnder 90cc, kids×0.7
Side-by-Side (UTV)2+ seats, roll cage×1.2
Touring ATVComfort, long-distance×1

Coverage Options

Comprehensive

Theft, fire, weather

Collision

Accident damage

Accessories

Aftermarket parts