ATV insurance

Stay protected wherever you venture on your ATV or UTV

ATVs are among the most versatile vehicles around. Plus, they're fun to ride. No wonder we love them. Maybe you use yours for hunting, getting around your property quickly, taking care of farm chores, yard work, pulling trailers, exploring off road, or fun and recreation. Or all the above. They're called all-terrain vehicles for good reason: they let you experience the outdoors and access wild places most other vehicles can't reach.

Whether you ride an ATV with four or six wheels, a side-by-side, a utility task vehicle (UTV), or similar off-road vehicle, stay protected with custom coverage. And because there are so many different uses for your ATV or UTV, we'll help tailor a policy to your exact needs.
Personalized Insurance and Expert Advice
Let a knowledgeable independent Safeco agent help you get just the right coverage for your needs. Our wide range of coverage options allow you the flexibility to choose the right policy at an affordable price.

Popular Coverage Options
+Custom Parts and Equipment-Custom Parts and EquipmentCustom Parts and Equipment
Custom parts give you the extra features you want while reflecting your personal taste and style. It's what makes your off-road vehicle distinctly yours. That's why Safeco provides $3,000 per vehicle in custom parts and equipment coverage at no extra charge. You also have the option to increase custom parts coverage up to $20,000 per vehicle. So whether you added a light bar and a lift kit to your side-by-side or a gear rack and brush guards to your ATV, Safeco has you covered.
+Roadside Assistance-Roadside AssistanceRoadside Assistance
With Safeco's Roadside Assistance, help is on the way when you're out riding and your vehicle is disabled within 100 feet of a public highway or street. Coverage includes towing to the nearest qualified repair shop, fuel and fluids delivery, basic emergency services, and much more.
+OEM Parts Coverage-OEM Parts CoverageOEM Parts Coverage
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.
+Gear Replacement at No Extra Cost-Gear Replacement at No Extra CostGear Replacement at No Extra Cost
At Safeco, we appreciate safe riders like you. And to reward you, we provide up to $1,000 per person, per incident to replace your helmet, riding jacket, boots, gloves, 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.
What Your ATV Policy Covers
Your ATV insurance requirements will depend on where you live. And wherever that is, Safeco has you covered. Our policies are written to satisfy all state requirements, so talk with your local independent agent to learn about mandatory insurance levels in your area including:

+Bodily Injury Liability-Bodily Injury LiabilityBodily 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. This coverage is the amount available to pay other people in the event of an injury. Since even minor accidents can incur significant medical costs, having enough body injury liability is important for your protection. Talk with an independent agent to assess your risk.
+Guest Passenger Liability-Guest Passenger LiabilityGuest 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-Property Damage LiabilityProperty 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.
Enhanced Coverage Options
+Comprehensive-ComprehensiveComprehensive
This option helps pay for repairs or replacement if your ATV is stolen, vandalized, or damaged in some way other than a collision. It also protects you against loss or damage from flooding, fire, falling objects, wind, and collision with an animal.
+Collision-CollisionCollision
Collision coverage helps pay to repair damage caused by an accident regardless of who is at fault. You're also covered if your ATV is knocked over, hit, or collides with another object.
+Medical Payments-Medical PaymentsMedical Payments
This option helps cover hospital bills and other medical care expenses for you and a guest passenger injured in an accident no matter who is at fault.
+Uninsured/Underinsured Motorist (UM/UIM) Coverage-Uninsured/Underinsured Motorist (UM/UIM) CoverageUninsured/Underinsured Motorist (UM/UIM) Coverage
What happens if you're hit and injured by another vehicle and that vehicle does not carry enough coverage? Uninsured motorist (UM) and underinsured motorist (UIM) coverage provide protection for you! While your health insurance may pay medical bills, UM/UIM will pay for things such as your medical deductible, lost wages, pain and suffering, scarring, permanent impairment, and more. Basically, it pays for the care you need that isn't covered by your health insurance.
ATV Insurance Discounts & Savings Options
As a safe and responsible rider, you have many ways to reduce the cost of ATV insurance. Talk with your local independent agent about how you could save on your premiums by doing the following:

+Get Out and Ride-Get Out and RideGet 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. We'll even automatically adjust your policy for age and riding experience each year when you renew to make sure your premiums remain as low as possible.
+Store Your Off-Road Vehicle in a Garage-Store Your Off-Road Vehicle in a GarageStore Your Off-Road Vehicle in a Garage
You get a discount for storing your ATV or UTV in a locked garage or other secure location
+Own Your Home-Own Your HomeOwn Your Home
You can save on your off-road vehicle policy if you own your own home, townhouse, condominium, or mobile home.
+Theft Recovery and Anti-Lock Brakes-Theft Recovery and Anti-Lock BrakesTheft Recovery and Anti-Lock Brakes
Having a theft recovery device or anti-lock brakes on your ATV helps lower your rates.
+Find More Ways to Save-Find More Ways to SaveFind More Ways to Save
Other ways to save on your monthly premiums include:
  • Insuring more than one ATV or UTV with Safeco (or motorcycle, snowmobile, or golf cart).
  • Carrying other Safeco policies including home, auto, umbrella, or specialty.
  • Maintaining continuous coverage.
  • Paying your bill in full.
  • Making a claim-free renewal.
  • Choosing a higher deductible, which generally lowers your monthly premiums.
Frequently Asked Questions
+What types of ATVs/UTVs does Safeco cover?-What types of ATVs/UTVs does Safeco cover?What types of ATVs/UTVs does Safeco cover?
Safeco insures 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.
+What is the minimum age for a Safeco policy? Will you insure my child's 50 cc four-wheeler?-What is the minimum age for a Safeco policy? Will you insure my child's 50 cc four-wheeler?What is the minimum age for a Safeco policy? Will you insure my child's 50 cc four-wheeler?
Our minimum operator age is 14 years and older. 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.
+I race my ATV. Is Safeco coverage right for me?-I race my ATV. Is Safeco coverage right for me?I race my ATV. Is Safeco coverage right for me?
No. Safeco does not cover ATVs or dirt bikes used for motocross or other racing contests or those with nitrous oxide kits installed.
+Does Safeco offer discounts on ATV/UTV insurance?-Does Safeco offer discounts on ATV/UTV insurance?Does Safeco offer discounts on ATV/UTV insurance?
Absolutely! We offer discounts for completing an approved ATV safety course, joining a riding club, lifetime riding experience, owning your home, storing your ATV in a garage, and other options. For a complete list of discounts and savings options talk with your local independent agent.
+What if I'm hit by another driver who is underinsured or not insured at all?-What if I'm hit by another driver who is underinsured or not insured at all?What if I'm hit by another driver who is underinsured or not insured at all?
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.
+I recently purchased my first off-road vehicle. Am I eligible for insurance with Safeco?-I recently purchased my first off-road vehicle. Am I eligible for insurance with Safeco?I recently purchased my first off-road vehicle. Am I eligible for insurance with Safeco?
Of course. We were all new riders once!
+I'm an experienced rider. Will Safeco offer me a discount for this?-I'm an experienced rider. Will Safeco offer me a discount for this?I'm an experienced rider. Will Safeco offer me a discount for this?
We know experienced riders are safer riders, so Safeco offers discounts to reward you. We even offer a discount if you've been riding the same vehicle for a while.
+Can I insure multiple off-road vehicles on the same policy?-Can I insure multiple off-road vehicles on the same policy?Can I insure multiple off-road vehicles on the same policy?
Yes! And when you do, we'll give you a discount for having multiple ATVs (or motorcycles, snowmobiles, golf carts, and other off-road vehicles) on the same policy.
+I like to go on long hunting trips on my ATV/UTV. What happens if I break down?-I like to go on long hunting trips on my ATV/UTV. What happens if I break down?I like to go on long hunting trips on my ATV/UTV. What happens if I break down?
It depends. If you're out in the wilderness many miles from a public road, you're also beyond reach for a tow truck or other service vehicle. But if you're near a public road, we offer roadside coverage with trip interruption coverage. If you tend to stick closer to your property, roadside assistance will cover your towing expense and labor costs to help fix an electrical or mechanical breakdown, dead battery, flat tire, or lack of essential fluids, though you have to be within 100 feet or a public road so we can get to you! If you trailer your ATV more than 100 miles from home, roadside assistance includes trip interruption coverage, which provides reimbursement for expenses like lodging, meals, and transportation if your ATV is disabled.
+Do you cover off-road vehicles with modifications?-Do you cover off-road vehicles with modifications?Do you cover off-road vehicles with modifications?
Yes. We know customizing your vehicle is important to you. Safeco's Custom Parts & Equipment coverage applies to all after-market updates. We automatically include $3,000 of custom parts and equipment coverage when you purchase comprehensive and/or collision coverage for your vehicle. If it has more than $3,000 worth of custom parts or equipment, you can add up to $20,000 of coverage (per ATV, UTV, or dirt bike) for an additional premium. All custom parts and equipment will be repaired or replaced without an adjustment for depreciation.
+Do you cover original equipment manufacturer (OEM) parts?-Do you cover original equipment manufacturer (OEM) parts?Do you cover original equipment manufacturer (OEM) parts?
Yes. Every Safeco off-road policy with comprehensive and/or collision coverage automatically includes OEM parts coverage.
+Riding safely is important to me. How do you cover safety apparel and equipment?-Riding safely is important to me. How do you cover safety apparel and equipment?Riding safely is important to me. How do you cover safety apparel and equipment?
We're glad you take riding safety as seriously as we do. That's why every policy, even liability-only coverage, includes $1,000 of coverage per rider for safety apparel such as your helmet, boots, gloves, and riding goggles.

Find a Local Independent Agent
Talk with a knowledgeable independent agent about getting the right ATV policy for your needs.