There is no better way to explore the outdoors than by jumping on an ATV and hitting the backcountry trails. These vehicles are growing in popularity as manufacturers are making them bigger and more powerful. And with this popularity, the All-Terrain Vehicle segment has been expanding beyond just the traditional saddle-seated one or two person four wheeled vehicle. Some of this expansion includes the following vehicle types:
- All-Terrain Vehicles (ATVs) are four wheeled vehicles with a saddle seat accommodating one operator and at most one passenger. This is traditionally what most people think of when mentioning an off-road vehicle. Recently manufacturers have increased the horsepower on these vehicles as adrenaline junkies look to push the limits of speed on the trails.
- Side-By-Sides (SxS) are the fast growing segment of the ATV industry. These vehicles have a bucket seat and allow for at least one passenger to sit next to the operator. Some of these vehicles allow for a total of four occupants while some are even six-seaters. These are widely considered safer than the traditional ATV due to six-point safety harnesses, roll-over protection structures, traction control, and anti-lock braking systems.
- Utility Terrain Vehicles (UTVs) come in three categories: Utility, Sport, and Sport Utility. Utility UTVs are primarily used to work on a farm or on job sites. They often have a bed on the back and have a high towing capacity. Sport UTVs are more like the SxS vehicles and are used for trail riding. And then the Sport Utility UTV bridges the gap between the two in that it has the hauling capacity of the Utility UTV and the speed performance of the Sport UTV.
- Sandrails and dune buggies are often discussed when mentioning the ATV industry. Both of these vehicles are made to traverse sandy terrain rather than trail riding. But they share many of the same characteristics of UTVs and SxS vehicles in that they accommodate passengers and have many of the same safety features.
Who Needs ATV Insurance?
Very few states have mandatory ATV insurance laws. But that doesn’t mean that you don’t need insurance. Even if you aren’t concerned about damage to your own vehicle, there are significant liability risks associated with operating an ATV, UTV, or SxS.. Should someone get injured while riding in your ATV or as a result of you operating your vehicle, you run the risk of exposing your personal assets to litigation if you don’t have adequate insurance to protect yourself.
Is ATV Insurance Expensive?
Many different factors play a role when determining the cost of ATV insurance: where you live, your driving record, your age and marital status, what type of ATV or UTV you own, whether you own a home, even your credit score can all have an impact on how much you’ll pay for insurance. The best way to find out what your premium will be is to ask a licensed agent in our office to provide you with some quotes from several of the top insurance companies.
Get Your ATV Insurance Quote Today
Our licensed staff is ready to help you get multiple quotes for your ATV Insurance. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.