With its wide-open spaces and rugged terrain, Texas is a great state for owning an ATV. Operating all-terrain vehicles and four wheelers comes with certain risks, though. ATV insurance won’t stop something from happening on the trail (or where there is no trail), but it could give riders important financial protections if there is an accident.
ATV insurance offers specialized coverage for four wheelers and similar all-terrain vehicles. Policies typically cover the four wheeler, the owner/rider, and equipment on the ATV.
Texas state law generally doesn’t require four wheeler insurance to register or operate an ATV. Insurance is still broadly recommended for most riders, however. Operating an ATV can result in devastating accidents that have large financial consequences.
Four wheeler policies can cover most types of common ATVs and similar vehicles. Sport ATVs, utility ATVs (UTVs), side-by-sides (SxS) and even golf carts can usually all be covered by this type of policy.
Do riders who finance their ATVs need insurance?
Lenders typically require certain insurance coverages if a rider finances or leases their ATV. Collision coverage, comprehensive coverage and gap coverage are normally required, as these together provide solid protection against damage to the ATV.
Four wheeler insurance offers a variety of coverage options, much like traditional auto insurance. These can include
Some homeowners insurance policies offer limited coverage for ATVs, but this protection isn’t always enough. Homeowners may limit the size or power of the ATV covered, and some policies might not provide any protection.
Before relying on a homeowners policy for ATV coverage, riders should first check with an insurance agent who specializes in four wheeler insurance. An agent can review a homeowners policy’s coverages and terms, and then recommend whether four wheeler insurance is needed.
Not all ATV policies cover official racing events, but some policies do typically offer this protection. Riders who specifically need coverage for racing should work with an experienced agent, who should be able to find a policy that covers racing.
Riders who have more than one ATV can usually get a discount for insuring them with the same policy. An experienced insurance agent can check for this and other discounts.
The costs of insuring a four wheeler vary depending on multiple factors. These can include details such as:
To find out how much insuring a four wheeler will be, riders can work with an independent insurance agent. Independent agents aren’t connected to any single insurance companies, and therefore can request quotes from multiple companies. This makes comparing both costs and coverages easy.
If you need insurance for a four wheeler or other ATV that’s in Texas, contact the independent insurance agents at Wise Insurance Group. Our agents have the expertise necessary to help you find the right ATV insurance policy for your four wheeler.