The specific legal definition of an ATV depends on the state, although most states have a similar definition. It usually means a motorized vehicle with at least two wheels designed for off-road operation, such as quad bikes. These vehicles are often designed for a solo driver, but some can hold a few passengers. ATVs commonly have two to four wheels, but some have up to six wheels.
Variations of ATVs include utility vehicles (UTVs) and side-by-sides, but again, find out how your state defines an all-terrain vehicle. Although these vehicles are adventurous, they can also be dangerous to drivers, riders, and others. In some cases, these vehicles are expensive to replace, yet the insurance rates are usually lower than most other vehicles.