How Much Is ATV Insurance? Comparing Prices Across Providers

When you're shopping for ATV insurance, one of the most common questions you'll have is, "How much is ATV insurance?" The cost of insuring an ATV varies from provider to provider, depending on factors like the type of coverage, where you live, and even your driving history. Understanding the differences between providers and comparing prices can help you find a policy that offers the best value and meets your specific needs.

In this article, we'll explore how ATV insurance prices compare across various insurance companies, the factors that influence these rates, and how you can save money while still getting the coverage you need.

Key Factors That Affect ATV Insurance Prices

Before diving into price comparisons, it's important to understand the main factors that influence how much ATV insurance will cost. While each provider calculates premiums differently, most insurance companies consider the following variables:

1. Type of ATV
   The make, model, and purpose of your ATV will significantly affect the cost of insurance. High-performance sport ATVs generally cost more to insure due to their increased risk of accidents, while utility ATVs or those used for work tend to have lower premiums.

2. Location
   Where you live plays a big role in determining your insurance rates. In areas with higher rates of ATV accidents or theft, premiums are likely to be higher. Your state’s minimum coverage requirements also affect the cost. Rural areas may offer lower rates, while urban areas often have higher premiums due to increased risk.

3. Coverage Type
   Insurance providers offer a range of coverage options, and the level of protection you choose directly impacts the cost. Basic liability coverage is typically cheaper than comprehensive plans, which cover accidents, theft, and other damages. The more protection you want, the higher the price.

4. Rider Experience and Age
   If you're a new rider, insurers may consider you a higher risk, which could lead to higher premiums. Younger riders, particularly those under 25, often pay more due to the increased likelihood of accidents. On the other hand, experienced riders with clean riding histories can sometimes secure discounts.

5. Usage Frequency
   How often you ride your ATV can also affect your rates. If you use your ATV frequently for off-roading, racing, or more extreme activities, insurance providers will likely charge higher premiums. If your ATV is used for casual or seasonal riding, you may be able to get a more affordable policy.

How Much Is ATV Insurance Across Different Providers?

Insurance prices for ATVs can vary significantly across providers. We’ve compiled some typical pricing ranges based on various types of coverage, so you can get an idea of what you might expect to pay. Keep in mind that these are just general estimates and that actual rates will depend on the factors mentioned above.

1. Progressive ATV Insurance

Progressive is one of the most popular insurers for ATV coverage, offering a range of policies from basic liability to full coverage. Their rates can start as low as $100 annually for basic liability coverage but may increase based on the vehicle's make and model, coverage level, and other factors.

• Basic Coverage: $100–$250 per year

• Full Coverage: $300–$500 per year

2. Geico ATV Insurance

Geico also provides ATV insurance, and they are known for competitive rates. Like Progressive, Geico offers both liability and full coverage options. They may also offer discounts for bundling with auto or home insurance.

• Basic Coverage: $120–$250 per year

• Full Coverage: $300–$600 per year

3. State Farm ATV Insurance

State Farm is another large insurer offering ATV coverage, and they provide a range of options based on the type of ATV and rider. State Farm is well-known for offering personalized customer service and flexible coverage choices.

• Basic Coverage: $150–$200 per year

• Full Coverage: $350–$700 per year

4. Allstate ATV Insurance

Allstate provides ATV insurance policies with a wide range of coverage options. Their premiums are generally competitive, with various discounts for bundling policies or taking safety courses. Allstate also offers comprehensive coverage that protects against theft, fire, and natural disasters.

• Basic Coverage: $150–$250 per year

• Full Coverage: $350–$650 per year

5. Farmers ATV Insurance

Farmers Insurance offers a variety of ATV coverage options, including basic liability and full coverage. They also provide customizable plans, so you can add extras like roadside assistance or coverage for custom ATV parts.

• Basic Coverage: $100–$200 per year

• Full Coverage: $300–$600 per year

How to Compare ATV Insurance Prices

To make sure you’re getting the best deal, it’s important to shop around and compare prices from different insurers. Here are some steps you can take to effectively compare ATV insurance prices:

1. Get Multiple Quotes

The easiest way to compare ATV insurance prices is to obtain quotes from several providers. Many insurers offer online quote tools, so you can quickly get estimates based on your ATV’s make, model, and your coverage preferences. Don’t forget to include both liability and full coverage quotes to compare the differences in cost.

2. Compare Coverage Levels

The cheapest option might not always provide the coverage you need. Make sure to compare the details of each policy, including what is covered and any exclusions. Some providers may offer additional coverage options such as roadside assistance, theft protection, or damage coverage that can add value to your policy.

3. Look for Discounts

Many insurers offer discounts that can help lower your premium. For example, you may be able to reduce your rates by bundling your ATV insurance with your car or home insurance, taking a safety course, or installing anti-theft devices on your ATV. Be sure to ask about any available discounts that can help save you money.

4. Review Your Deductible

Your deductible is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. A higher deductible typically lowers your monthly premium, but make sure the deductible is something you’re comfortable paying in the event of an accident. Compare the deductibles offered by different insurers to find one that fits your budget.

5. Check Customer Reviews

While price is important, you also want to choose an insurer with a strong reputation for customer service and claims handling. Check online reviews or ask other ATV riders about their experiences with specific insurers. A cheaper policy may not be worth it if the provider has a poor track record when it comes to paying out claims.

Conclusion

So, how much is ATV insurance? The answer depends on a variety of factors, including the type of coverage you choose, your ATV’s make and model, and where you live. On average, basic ATV insurance costs between $100 and $250 per year, while full coverage can range from $300 to $600 annually. However, these prices can vary significantly across different insurance providers.

To ensure you're getting the best value for your ATV insurance, it's crucial to compare quotes, assess your coverage needs, and look for ways to save on premiums, such as bundling or taking advantage of discounts. With the right research, you'll be able to find a policy that offers the coverage you need at a price you can afford.