For more information or to request a quote, call The Hartford's Nutmeg Insurance Agency:
Monday-Friday, 7 a.m. to 11 p.m. ET
Saturday-Sunday, 8 a.m. to 6 p.m. ET
Get an ATV Insurance Quote for Off-Road Protection
Whether you ride your all-terrain vehicle (ATV), utility-terrain vehicle (UTV), side-by-side or other off-road vehicle every day or just once in a while, accidents can happen. Our trained specialists from The Hartford's Nutmeg Insurance Agency can help guide you through the details of getting the right coverage. To learn more about ATV insurance quotes, call The Hartford's Nutmeg Insurance Agency at 800-555-2510. We’re an insurance company you can count on to help you get the coverage you need at the right price.
What Does ATV Insurance Cover?
Ride your ATV without worrying. ATV insurance covers your off-road vehicle from covered losses like collisions, fires, property damage, theft, windstorms and more. Having ATV insurance coverage through a trusted carrier of The Hartford's Nutmeg Insurance Agency means you’re covered with:
- Collision coverage that helps pay for physical damage to your ATV, like scratches or dents from a covered accident. With this coverage, you’ll pay your deductible first and your collision ATV coverage will help pay the rest.
- Property damage liability coverage, which can help fix someone else’s personal property if you damage it. For instance, this can help pay for damages caused by your ATV to fences, houses or trees.
- Bodily injury liability insurance that can protect you if you’re at fault for a covered accident, helping pay medical bills for bodily injuries to people other than you or your passengers.
- Medical payments coverage, which helps pay medical care, rehab, recovery and remedial treatment for you or your family after an ATV accident.
- that can help pay medical costs to you and your passengers if you’re hit by someone who doesn’t have insurance. It also covers these costs if the person who hit you doesn’t have enough coverage.
- Comprehensive coverage, which can help pay for any damage to your vehicle up to its actual cash value, minus your deductible, after a covered loss. This includes damage from fire, theft, glass breakage, riots, windstorms and hail.
Depending on how much coverage you need, you can choose to customize your ATV and off-road vehicle insurance policy even more by increasing your limits. If you use towable trailers or sleds with your all-terrain vehicle, you can get equipment coverage for them, too. We also offer optional insurance to help cover your passengers.
Be sure to check your state requirements for insurance to make sure you get the right policies. Keep in mind that not all coverages are available for off-road vehicles in all states.
It’s also important to note the difference between ATVs, side-by-sides and UTVs. ATVs and side-by-sides are generally used for recreational activities while UTVs, also known as utility terrain vehicles, are used more for work purposes. These types of vehicles are all covered under an ATV policy. To talk to an expert about which coverage is best for you, contact The Hartford's Nutmeg Insurance Agency at 800-555-2510.
ATV Insurance Discounts and Ways To Save
There are many factors that impact your ATV insurance rate. Some of these are out of your control, while others can help lower your rates and save money.
You can be eligible for insurance coverage discounts by:
- Driving safely: If you have violations on your driving history or a record of claims on your ATV insurance policy, your rates may be higher. You can also receive discounts if you take driver training or driving safety courses.
- Selecting the right ATV: Larger ATVs with bigger engines are generally more risky and can cost more to insure.
- Paying your bill in full: You’ll receive a discount if you pay for your policy in full instead of making monthly payments.
Get Your ATV Insurance Quote
The Hartford's Nutmeg Insurance Agency offers a range of ATV coverage options so you can find the policy that’s right for you. To learn more about ATV insurance, call The Hartford's Nutmeg Insurance Agency at 800-555-2510. We are here to help you make the right coverage decisions.
Common Questions About Four-Wheeler Insurance
Some common questions about this coverage include:
Do I Need ATV or UTV Insurance During the Off-Season?
In most cases, it’s best to keep your policy year-round. This is because starting and stopping new policies each year is often more expensive.
Do You Need Insurance on an ATV?
In most cases, you’ll need this coverage any time you ride your ATV off your property, but it’s still a good idea to have insurance no matter where you’re driving. Either way, it’s best to check the local and state laws in your area to make sure you have the right protection. Depending on where you ride, some national parks or trails may require you to have ATV insurance.
Does Homeowners Insurance Cover ATVs?
Homeowner policies generally do not cover your ATV or UTV, which means you’ll need a separate policy.
How Much Is Insurance on an ATV?
The price to insure your ATV can vary greatly. For instance, some ATVs may be a few hundred dollars to insure, while others may be thousands. Some factors that may affect how much you pay for ATV insurance include your:
- Location
- Type of vehicle
- Driving history
- Coverage limits
To learn more and get a free quote today, call The Hartford's Nutmeg Insurance Agency at 800-555-2510.
What Brands of Off-Road Vehicles Does The Hartford Insure?
Most major brands, like Polaris, Can-Am, Yamaha and Kawasaki can be insured with ATV insurance from The Hartford.
Does The Hartford Have a Minimum Engine Size Required for Coverage?
Different states have different engine size requirements for ATV insurance. To learn more about the requirements in your state, call The Hartford's Nutmeg Insurance Agency at 800-555-2510.
What Is Not Covered by ATV Insurance?
In general, ATV insurance doesn’t cover routine maintenance, like oil changes or wear and tear. You should always review your ATV insurance policy to make sure you understand what’s covered.
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Last Updated: March 19, 2024
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, American Modern Home Insurance Company d/b/a American Modern Insurance Company (Lic. No 222-8) in CA, American Family Home Insurance Company in AR and GA (Personal Watercraft only) and American Modern Home Insurance Company in all other states, or by one of the licensed insurers of Foremost Insurance Company through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc or Foremost Insurance Company.
Additional disclosures below.