ATV insurance for your off-road adventures USAA Insurance

ATV Insurance for Your Off-Road Adventures 

Members can enjoy savings of up to 5% through our partnership with Progressive. 

What Is ATV Insurance? 

ATV insurance provides coverage for your all-terrain vehicle (ATV) or utility task vehicle (UTV), ensuring you can explore the trails with confidence. Your ATV is covered under a motorcycle insurance policy. If you already have motorcycle insurance, you can simply add your ATV to your existing plan. 

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Do You Need ATV Insurance? 

Some states require bodily injury and property damage liability coverage for ATV riders. Additionally, certain parks may mandate a policy before allowing you to ride. If you're financing your ATV, your lender might also require comprehensive collision coverage to protect their investment. 

What Does ATV Insurance Cover? 

Accidents and Collisions: If your ATV or UTV is stolen or damaged, comprehensive collision coverage can help with repair or replacement costs. Injuries to Yourself and Others: Your policy can help cover medical expenses for both you and your passengers, regardless of who is at fault. 

Property Damage and Legal Costs: If you cause damage to someone else’s property, your policy can assist with repair costs and legal expenses if you're sued. 

Uninsured and Underinsured Motorists: If an uninsured or underinsured driver hits you, this coverage can help pay for medical bills, repairs, and even lost wages if you are unable to work. 

Why Choose a Policy Through the USAA Insurance Agency? 

We have established long-term partnerships with leading insurance providers, ensuring they meet our high standards. For over 30 years, we've worked closely with Progressive, offering you access to highly trained representatives who provide the exceptional service you deserve. 

How Much Does ATV Insurance Cost?  

The cost of your coverage depends on factors such as your vehicle, driving history, and the coverage options you select. 

[Get an ATV Quote] 

Ways to Save on Your Premium 

Safety Course Discount: Complete an approved ATV or UTV safety course to lower your rate. Responsible Driver Discount: Enjoy savings if you've had no accidents or violations in the past three years. 

Pay-in-Full Discount: Save more when you pay your annual premium in one lump sum. 

ATV Insurance FAQ's 

ATV insurance typically doesn’t cover racing or performing stunts. This includes when you’re riding on a racetrack, in a closed-course event, or getting paid for your activities.

Some homeowners policies may provide limited coverage while riding your ATV or UTV on your property. However, you're usually not covered once you leave your property.

Most auto policies won’t provide any coverage unless your ATV or UTV is registered for use on public roads and listed on your policy.

Yes. You need comprehensive coverage all year. It helps protect your vehicle from theft, vandalism, and damage not related to a collision.