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Off-Road Vehicle Insurance

Off Road Vehicle Insurance

Protect Yourself and Others with ATV Insurance

If you own an ATV or UTV, you should insure it just like you would a car, boat, or motorcycle. While ATV insurance isn’t mandatory in Missouri, it is in some other states where you may wish to travel with your all-terrain vehicle. And ATV insurance can offer multiple other benefits, which is why we recommend it to our clients who are outdoors enthusiasts in St. Louis.

ATV insurance covers you if you are at fault in a collision with another vehicle, pedestrians, bikers, or someone else’s property. This includes property damage, medical care, long-term disability, and even loss of life. It also protects you in the event of:

  • Vandalism
  • Theft
  • Damage from fire, storms, or most natural disasters
  • Uninsured or underinsured drivers of ATVs or other vehicles
  • Fuel spills and cleanup

You Can Add Extra Coverage for Greater Peace of Mind

You can add emergency or roadside assistance, just like with an auto policy, and you can get repair/replacement coverage for your own ATV too, which isn’t covered with minimum liability insurance that protects other people.

You may also wish to include medical coverage for yourself or any passengers on your ATV, as again, this isn’t part of basic liability protection but is easy to add for a nominal increase in your premium.

For the greatest liability coverage, some folks like to take out a personal umbrella policy, which gives them protection against legal damages, not just with their ATVs but at home and anywhere they travel. You can use this coverage if someone has an accident on your property or if your dog bites someone, for example.

As well as adjusting your deductible, we’ll help you find the most reasonable rates for your ATV insurance by looking at:

  • Your age
  • Your driving record and any past claims
  • Your location and where the four wheeler is garaged
  • Where you intend to operate your UTV
  • The make, model, age, and value of your ATV
  • Safety classes you’ve taken

Tips for four-wheeler insurance quotes

  • Know your vehicle engine CC(cubic centimeter) as well as any customizations.   Let the insurance agent know if you have a modified frame, turbo kit, or nitrous oxide kit to insure the most accurate quote. 
  • Have you completed a motorcycle safety course
  • Are you riding on trails, public roads, around the neighborhood, hunting and fishing, or just on your property to help service your land and home needs. 

We can often save clients' money on ATV insurance by bundling it with other insurance, such as motorcycle or boat insurance.

At Clayton Hanley Insurance our independent insurance agents are here to help answer your questions and customize a policy just for you. We have access to more insurance products than big name companies, which gives us more flexibility and specificity for our clients.

Don’t risk losing your assets due to an ATV accident where someone is injured. The right ATV insurance is just smart protection. Call us at 314-487-2921 or reach out online for a fast and easy quote.