We will help you choose the best ATV plan for insurance because insurance is needed to save you and your vehicle.
The estimated rate of ATV insurance is $100-$700 on average per year.
Today, we will provide you with all the companies in the USA and their bank plans for ATV insurance.
How Much Is ATV Insurance Cost?
The ATV insurance cost varies depending on factors such as the type of ATV, coverage options, location, and the rider’s age and experience.
On average, you need to pay between $100 and $700 per year for basic ATV insurance. For instance, a liability-only policy will be on the lower end of this range.
At the same time, a comprehensive plan that includes collision, medical payments, and theft coverage will likely push the cost higher.
Additionally, if you have a high-performance or new ATV, insurance premiums may also be higher due to the increased value and risk associated with the vehicle.
It’s important to get multiple quotes from different providers to find the best deal that suits your needs and budget.
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| ATV Model | Estimated Annual Insurance Cost |
| Honda TRX90X | $100 – $150 |
| Yamaha Grizzly 700 | $250 – $350 |
| Polaris Sportsman 570 | $250 – $350 |
| Can-Am Outlander 1000R | $300 – $450 |
| Suzuki KingQuad 750 | $200 – $300 |
| Kawasaki Brute Force 750 | $250 – $375 |
| Arctic Cat Wildcat XX | $400 – $600 |
| Yamaha YFZ450R | $300 – $500 |
| Honda FourTrax Foreman 4×4 | $200 – $350 |
| Polaris RZR 1000 XP | $450 – $700 |
| Honda Pioneer 1000 | $400 – $600 |
| Yamaha Kodiak 700 | $250 – $375 |
| Kawasaki Teryx4 | $350 – $500 |
| Can-Am Renegade 1000R | $350 – $500 |
| Polaris General 1000 | $400 – $600 |
| Suzuki QuadSport Z400 | $200 – $300 |
| Arctic Cat TRV 700 | $250 – $375 |
| CF Moto U800 | $300 – $450 |
| Honda Rancher 420 | $200 – $300 |
These estimates give you a more comprehensive overview of what insurance could cost for various ATV models. Again, remember that these prices can vary based on factors like coverage, location, and rider profile. Always reach out to insurance providers for a precise quote based on your specific situation.
Why ATV insurance is required?
ATV insurance is important because it protects you and your ATV from financial losses in the event of an accident;
ATV insurance may cover damage or loss from theft, vandalism, collisions with animals, fire, and weather-related issues.
ATV investment is having liability coverage if someone sues you due to damage or injuries you caused in an ATV accident.
Companies In the USA That Offer ATV Insurance.
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| Insurance Company | What They Cover | Estimated Annual Cost (2024) | Special Features & Discounts |
|---|---|---|---|
| Geico | Liability, Collision, Comprehensive, Medical Payments, Roadside Assistance, Theft | $100 – $600 | Discounts for bundling policies, safety course discounts, flexible plans. |
| Progressive | Liability, Collision, Comprehensive, Medical Payments, Uninsured Motorist, Theft, Rental Reimbursement | $150 – $700 | Multi-policy discounts, safe driving rewards, customizable coverage. |
| Allstate | Liability, Collision, Comprehensive, Medical Payments, Equipment, Theft | $150 – $650 | Discounts for bundling, accessory coverage, and good driving habits. |
| Farmers Insurance | Liability, Collision, Comprehensive, Medical Payments, Roadside Assistance, Theft | $160 – $700 | Multi-vehicle discounts, bundling (home & auto), seasonal coverage. |
| State Farm | Liability, Collision, Comprehensive, Medical Payments, Theft, Roadside Assistance | $120 – $550 | Clean record discounts, bundling options, loyalty savings. |
| Nationwide | Liability, Collision, Comprehensive, Medical Payments, Equipment, Theft | $160 – $650 | Seasonal coverage, bundling discounts, customizable plans. |
| American Family | Liability, Collision, Comprehensive, Medical Payments, Theft, Equipment | $150 – $600 | Discounts for clean driving, off-road vehicles, and bundling. |
| USAA (Military Families) | Liability, Collision, Comprehensive, Medical Payments, Theft, Personal Injury Protection | $120 – $450 | Military discounts, bundling, excellent customer service. |
| Markel | Liability, Collision, Comprehensive, Medical Payments, Theft, Equipment | $200 – $750 | Specializes in off-road vehicles, customizable coverage, safety course discounts. |
| National General | Liability, Collision, Comprehensive, Medical Payments, Theft, Roadside Assistance | $150 – $650 | Bundling discounts, off-road coverage, competitive pricing. |
How to Save on ATV Insurance?
Get Multiple Quotes
Don’t just go with the first quote you get. Insurance rates can vary quite a bit from one company to another, so it’s worth shopping around. You can use comparison websites or just call a few insurers to see who gives you the best price.
Bundle Your Insurance
If you already have your car or home insurance with a certain company, see if they’ll give you a discount for adding your ATV to the same policy. Most companies offer a discount for bundling, and it could save you a good amount of money.
Increase Your Deductible
If you’re okay with paying a bit more out-of-pocket if something happens, consider raising your deductible. This usually lowers your monthly or yearly premium. Just be sure it’s an amount you can comfortably cover in case you need to file a claim.
Check for Seasonal Coverage
If you only use your ATV during the warmer months, ask your insurer about seasonal policies. Some companies will let you cut down on coverage during the off-season, which can save you money when your ATV is just sitting in storage.
Keep a Clean Riding Record
Just like car insurance, the better your record, the lower your rates. If you’ve got a history of safe riding (no accidents or violations), your insurer will see you as less of a risk, which can lead to discounts.
Take an ATV Safety Course
Some insurers offer discounts if you’ve completed an ATV safety course. It’s a win-win: you become a safer rider, and your insurer rewards you with a lower premium. Plus, it’s always good to brush up on safety.
Add Security Features to Your ATV
If your ATV has security features like a GPS tracker or alarm system, let your insurer know. These make your ATV less likely to be stolen, so many companies will offer a discount for having them.
Pay for the Year Upfront
If you can afford to, paying for your insurance in one lump sum instead of monthly payments can often save you money. Some insurers offer a discount for paying the full year’s premium upfront, which can be a nice bonus.
Conclusion ;
ATV insurance typically costs between $100 and $700 per year, depending on the type of coverage, ATV model, and the rider’s experience.
Basic liability coverage is cheaper, while comprehensive plans with collision, medical payments, and theft protection are more expensive. Insurance costs also vary based on your location, age, and safety record.
To save, consider bundling policies, raising your deductible, or installing security features on your ATV.
Major insurers like Geico, Progressive, and Allstate offer customizable plans with discounts for safe driving, seasonal coverage, and multi-policy bundling. Shopping around for quotes is essential to find the best deal for your needs.
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