What is ATV Insurance?

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.

Who needs four wheeler insurance in Texas?

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.

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What types of vehicles can be insured with a four wheeler policy?

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.

What coverages are available for four wheelers?

Four wheeler insurance offers a variety of coverage options, much like traditional auto insurance. These can include

  • Collision Coverage: Might protect against damage to the ATV that results from a collision with another vehicle (ATV or otherwise).
  • Comprehensive Coverage: Might protect against damage to the ATV that result from events other than collision (e.g. theft, falling trees, hitting animals).
  • Accessory Coverage: Might protect against damage to or loss of accessories on the ATV (e.g. helmet, other safety equipment, trailer).
  • Personal Injury Protection (PIP): Might protect against injuries to the driver and any passenger on the ATV during a collision.
  • Bodily Injury and Property Damage Liability: Might protect against injuries to persons not on the ATV (e.g. other riders, bystanders).
  • Uninsured and Underinsured Motorist Coverage: Might protect against collisions where the other involved party lacks sufficient insurance.

Can Homeowners Insurance Cover ATVs?

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.

Do ATV policies cover racing four wheelers?

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.

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Can riders get a discount for insuring multiple ATVs?

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.

How much does it cost to insure a four wheeler?

The costs of insuring a four wheeler vary depending on multiple factors. These can include details such as:

  • Type of four wheeler or ATV
  • Size and power of the ATV
  • Maximum speed of the ATV
  • Location where the ATV is stored
  • Safety features on the ATV
  • Rider age and past claims history

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.

How Can Texas Residents Secure ATV Insurance?

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.

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