ATV Insurance
Stay protected wherever you venture
Get to know your ATV coverage options
Whether you ride an ATV with four or six wheels, stay protected with custom coverage. Learn more about the ATV coverages we offer below, then contact a local independent agent to discuss the right coverage for you and your vehicle.
Coverage
Real-life scenario
Standard
Optional
Bodily Injury Liability
This coverage helps pay hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger.
Guest Passenger Liability
This covers medical expenses for a passenger injured while riding with you on your off-road vehicle. This does not include your spouse, who is already protected under your medical coverage.
Property Damage Liability
If you're responsible for an accident, this coverage helps pay for repairs to someone else's vehicle or personal property you damaged.
Gear Replacement at No Extra Cost
We provide you up to $1,000 per person, per incident to replace your helmet, riding jacket, and other safety apparel lost or damaged in a collision at no extra cost and with no deductible. We automatically include this coverage on all policies, even on liability-only policies.
24-Hour Roadside Assistance1
Disabled within 100 ft. of a public street or highway? Roadside Assistance includes towing to the nearest qualified repair shop, fuel and fluids delivery, basic emergency services, and much more.
OEM Parts Coverage2
If your off-road vehicle is damaged, you want to be sure it's properly repaired. Your Safeco policy automatically includes use of original equipment manufacturer (OEM) parts during repairs.
We offer so many more coverage options at Safeco. Connect with a licensed agent near you to determine the best coverage options for you and your ATV or UT (Utility-Task Vehicle).
Save money with Safeco’s ATV discounts3
Get out and ride
Riding experience makes you a safer rider. It also saves you money. Because the longer you ride without a claim, the lower your premiums.
Store your ATV in a garage
You get a discount for storing your ATV or UTV in a locked garage or other secure location.
Own your home
You can save on your off-road vehicle policy if you own your own home, townhouse, condominium, or mobile home.
Bundle and save on insurance for all your weekend toys
We know you take pride in your 2-, 3-, and 4-wheel toys. That’s why we offer discounts3 for riders hoping to insure multiple vehicles.
Get a discount for insuring your ATVs, motorcycles, snowmobiles, golf carts, and other off-road vehicles on the same policy. Connect with an agent to learn more about our savings
Common ATV insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agent for ATV insurance questions today.
- Safeco will insure all-terrain vehicles with four or six wheels, a wide variety of utility task vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, golf carts, and other select off-road vehicles. Talk with a Safeco agent to get details about all the vehicles types we cover.
- Our minimum operator age is 14 years. Vehicles made for, or used by, young children, like child-sized ATVs, dirt bikes, or other similar off-road vehicles, are ineligible for coverage with Safeco.
- No. Safeco does not cover ATVs or dirt bikes used for motocross or other racing contests or those with nitrous oxide kits installed.
- Accidents with other drivers or riders can occur even off-road. That's why Safeco offers protection against the cost of injuries or damage you may experience as a result of an accident caused by an uninsured or underinsured (UM/UIM) driver. Depending on which state you live in, you may be required to carry UM/UIM coverage, so talk with your local independent agent to be sure.
1Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
2Included coverage. Comprehensive and/or Collision coverage required. May vary by state.
3Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.