Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Oct 13, 2020

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Key takeaways...

  • Many US states differ in their auto insurance requirements for off-road vehicles. However, most states require off-road vehicle owners to carry liability insurance on public roads
  • It might be a good idea to purchase insurance coverage for your off-road vehicle even if you only drive it on private property where the law does not mandate coverage
  • Install tracking devices and apply other Anti-Theft mechanisms to lower your rates since most off-road vehicle claims arise from theft
  • Many states require special licensing for off-road vehicles whether driven on a public or private property; do your research and make sure that your vehicle complies with all the requirements
  • Compare quotes from several insurers; there could be a better deal out there

Owning an off-road vehicle is fun, but being able to fully enjoy this valued possession, you need to ensure that you have purchased the necessary insurance products.

There are different types of off-road vehicle insurance coverages sold by most auto insurers in the United States.

These products are available for you whether you are a recreational user or you just use your off-road vehicle to occasionally inspect your property.

Having sufficient amount of insurance will protect you from financial losses in case your off-road vehicle is stolen, wrecked, or damaged.

If you are looking to insure your off-road vehicle, start comparison shopping today for the best auto insurance rates! Enter your ZIP code above!

What’s an off-road vehicle?

Off-Road vehicles are the kind of vehicles that can be driven on other types of terrain, besides the road.

Some all-wheel trucks are also considered as off-road vehicles though most of them are almost always used on regular roads and freeways.

Off-road vehicles are popularly referred to as:

  • ORVs for Off-Road Vehicles
  • All-Terrain Vehicles (ATV)
  • Recreational Off-Road Vehicles (ROV)
  • Utility vehicles (UTV)
  • Recreational Utility Vehicles (RUTV)

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Auto Insurance Requirements for Off-Road Vehicles

There are no Mandated Insurance Requirements for ORVs driven or operated on private property. However, it wouldn’t cost much to have basic liability coverage for your off-road automobile in case of an accident.

Having insurance on your ORV will protect you from:

  • Medical expenses in case you get into an accident while driving around your property in your ORV.
  • Insurance will pay to repair the damages to your ORV if you happen to be in an accident.
  • Basic liability coverage will protect you from costs arising from damage to other people’s property in the event of an accident with your ORV.

On the other hand, if you drive your off-road vehicle on public roads, freeways, and parks, just like any other driver, you are required to carry the state mandated liability insurance.

Driving an uninsured ORV on public roads is precarious, not mention illegal.

You may end up parting with large amounts of money in fines if you get caught driving an off-road vehicle on public roads without insurance.

Essential Coverage for ORVs Driven On Public Roads

If you take occasional rides on your ORV on public roads, no matter how infrequent that happens, make sure that you purchase the Minimum Liability Required in your state.

What if your ORV is damaged in a severe wind storm? What if someone steals it or a broken tree limb lands on it while you are out camping?

Take a look at some of the most important types of coverage for your ORV:

– Property Damage Liability

A property damage liability policy can help protect you financially in the event of an accident that leads to the destruction of another person’s property say a car, a cabin, or a house. The policy will cover the costs of repairing the damaged property.

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– Bodily Injury Liability

In the event of an at-fault accident that results in bodily injury to yourself or the other party, a bodily injury liability will take care of the medical expenses for the both of you, depending on terms of the policy.

– Collision Coverage

Whether you are driving on a freeway or around your property, the chances of running into a stationary object are very high.

You could hit a tree on your private property or get involved in a head-on collision with another motorist on the road.

You will need collision coverage to chip and help repair the damages to your car in either of the above circumstances.

– Comprehensive Coverage

Having a comprehensive coverage on your off-road vehicle will protect you from financial losses in a wide range of catastrophic events. From theft to natural disasters, there’s really no way of knowing what will unfold the next minute.

Additionally, you can save a significant amount of money on off-road vehicle insurance by taking an ATV safety course at the ATV Safety Institute.

Check with your insurance provider to see if certification from the body comes with additional discounts. Besides the possible mark-down on insurance premiums, you stand to gain a lot of insight via responsible handling and operation of off-road vehicles.

Off-Road Vehicle Insurance Cost

  • Depending on your age, off-road vehicle type, credit history, driving vehicles and a host of other Factors That Affect Your Auto Insurance Rate, insuring an off-road vehicle could cost you anywhere between $100-$1000.
  • While shopping for insurance for your off-road vehicle, compare quotes from different carriers to get the best deal.
  • ORVs are deemed as luxury items, and as a result, off-road vehicles may not get typical auto insurance discounts from some companies.
  • Some insurers may decline your application if they think you are too much of a risk.
  • A large percentage of off-road vehicle claims are as a result of theft. Therefore, installing anti-theft devices on your ORV may get you a lower quote.

See to it that your bike, side by side, quad, buggy or any other type of ATV is adequately insured. Read your state’s insurance as well as other requirements for owning or driving an off-road vehicle and comply.

Get different quotes and compare them to your current auto insurer’s offer before you settle for either of the policies. Leaving your off-road vehicle uninsured will expose you to multiple financial vulnerabilities.

Don’t let the fear of driving an insufficiently insured off-road vehicle keep you from enjoying all the fun that comes with an ORV.

Start comparison shopping for better auto insurance rates today! Enter your ZIP code below to find the best rate for your off-road vehicle!