ATV Insurance

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ATV Insurance & Off the Road Protection Coverage

How and where you ride your ATV help determine the type of ATV insurance and how much off the road protection coverage you’ll need. Whether you’re riding your ATV every day or occasionally on the weekends, accidents can happen at any time.
Our trained specialists from the AARP® Auto and Home Insurance Program at The Hartford1 will to help guide you through the details, so you can feel confident you’re getting the right coverage at an affordable rate. Get an ATV insurance quote today by calling 888-546-9099.

Important Insurance for ATV Coverages

You can enjoy riding your ATV even more knowing you’re covered with these options:
  • Collision Coverage: Collision coverage helps pay for physical damage to your ATV if for example, you hit a tree, rock, or a fence. If one of these collisions happens, you are responsible for paying your deductible. Your collision coverage from The Hartford will help pay the rest. Collision insurance also helps provide coverage for scratches, dents and other cosmetic damage to your ATV that are sustained in a covered accident.
  • Liability Coverage: ATV Insurance offers bodily injury and property damage liability to help pay for the costs of injuries to people or damage to property caused by a covered ATV accident, if you are at fault. Liability coverage helps protect you from the costs of claims by others that you caused them bodily injury or damaged their property – for covered accidents up to your policy limits. 
  • Medical Payments Coverage: Medical Payments coverage from The Hartford helps cover medical care, rehab, recovery and remedial care for you and your family after an ATV accident.

Additional ATV Insurance Coverage Options

Want even more protection? Customize your ATV policy even more by adding more coverage. Take a look at the broad range of optional coverage you can get for your ATV:
  • Increased limits of liability
  • Optional equipment coverage, including towable trailers or sleds made for use with an ATV
  • Passenger coverage
Not all coverages are available in all states.

How to Lower Your ATV Insurance Cost

There are many factors that can affect ATV insurance cost – some are out of your control, while for others, there are things you can do to help keep your ATV insurance rates lower. Here are three important ways you can influence your premium costs:
  • Bundle Insurance Policies: If you have more than one ATV or additional vehicles insured with the same insurance company, you may be eligible for bundling discounts.
  • Ride Safely: If you have violations on your driving record or a history of claims on your ATV insurance policy, your rates may be higher than if you have a pristine driving record and no prior claims.
  • Select the right ATV: ATVs that are considered more risky than others, for example, if they are larger, have bigger engines (i.e. higher displacement,) they may cost more to insure.

How to Get an ATV Insurance Quote

ATV insurance from The Hartford offers coverage options and convenience so you can find the policy that’s right for you. To learn more about ATV insurance from The Hartford, call 888-546-9099. We can help you make the right decision when you looking for ATV insurance.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.