If you own an ATV to cruise your property and you’re not taking it on public roads, do you need ATV insurance?The answer depends on a few key factors, and in many cases, having insurance can still be a smart (and surprisingly affordable) move.
Is ATV Insurance Required If You Stay on Private Land?
In most states, ATV insurance is not legally required if you only ride on your own private property. There’s typically no law saying you must carry liability or collision coverage for an ATV that never leaves your land.
However, just because it’s not required doesn’t mean it’s not worth having.
Why You Might Still Want Coverage
Even on private land, accidents happen. Here are a few scenarios where ATV insurance can protect you:
- You hit a tree or fence and damage your ATV.
- A guest or family member gets injured while riding.
- Your ATV is stolen from your garage, barn, or trailer.
- You accidentally damage property while riding.
Without insurance, you’d be responsible for the full cost of repairs, medical bills, or replacements out of pocket.
What Kind of ATV Insurance Should You Consider?
If you’re staying on private land, here are a few types of coverage to think about:
- Collision Coverage: Pays for repairs to your ATV after an accident, even if no one else is involved.
- Comprehensive Coverage: Covers things like theft, fire, vandalism, or weather damage.
- Liability Coverage: Useful if someone gets hurt or you damage someone else’s property—even if it happens on your land.
- Medical Payments: Covers injuries to you or your passengers, regardless of fault.
Cost of ATV Insurance:
The cost of ATV insurance can vary based on your location, the value of your ATV, how it’s used, and the coverage you select. But here’s a rough estimate:
- Basic liability coverage: $75–$150 per year
- Full coverage (including comp + collision): $200–$500+ per year
- Policies with high-end models or custom upgrades: May cost more depending on replacement value
Can Homeowners Insurance Cover Your ATV?
Some homeowners’ policies offer limited protection for ATVs, but the coverage is usually very narrow. It may only apply when the ATV is physically on your property, and often doesn’t include theft or liability protection. In many cases, guest riders aren’t covered at all.
Get a Quote for ATV Insurance in PA
So no, you’re probably not required to carry ATV insurance if you’re only riding on private land. But that doesn’t mean it’s a risk-free choice to go without it.
Before you decide, get a quick quote. You might be surprised how affordable ATV insurance can be. Our agents work with you to understand your needs and budget and then find a plan that suits you the best. Get in touch today for more expert insurance advice.