Menu 1-855-347-3939 , Call Us Log In ATV/UTV Insurance Protect your four-wheeler with personalized coverage PRODUCT ATV ZIP Code Continue previous quote Call us 24/7›Find an agent› Home InsuranceMotorcycle InsuranceATVs & UTVs Get a quote online for your ATV or UTV and ride Whether you’re a full-time rancher or part-time adventure seeker, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), or side-by-side are protected. With Progressive ATV and UTV insurance, you can quote and customize your policy online to cover different types of risks. WAYS TO SAVE ATV insurance discounts Check out a few of Progressive’s discounts aimed at lowering your ATV insurance cost.* (See Disclosure) Safety course If you’ve completed an approved ATV, motorcycle or snowmobile safety course within the past three years, you’ll receive a discount on your ATV policy. Multi-policy Already have another policy with Progressive, such as auto, home, renters, RV, or boat? We'll add a discount for bundling to your ATV policy. See more on bundling insurance› Pay in full Pay your ATV policy in full, up front, and we’ll add another discount. Responsible driver Safe drivers deserve to be rewarded, and you’ll get a discount if you’ve had no accidents or motor vehicle violations in the last three years. Advance quote† (See Disclosure) Get an ATV insurance quote at least one day prior to starting your policy and earn a discount on your policy just for shopping in advance. See all discounts What does ATV/UTV insurance cover? ATV/UTV insurance can cover the injuries or damages you’re liable for and repairs to your vehicle. However, Progressive is one of the best ATV insurance companies, offering more than just basic liability protection and comprehensive/collision coverage—so you can ride with maximum peace of mind. See all coverages UNIQUE COVERAGES Accessories and custom parts/equipment With Progressive, ATV insurance coverage automatically includes $3,000 in coverage for riding gear and any upgrades you’ve made to your vehicle. Need more than $3,000? You can purchase up to $30,000 in additional coverage. Example: You added a custom seat to your four-wheeler and it’s damaged in a covered accident. Progressive will pay you the value of the seat. Total loss coverage for new ATVs If your ATV or UTV is no more than one model year old on a new policy or two model years old on a renewal policy with full physical damage coverage, we pay you the full MSRP if your vehicle is totaled. A deductible applies. Example: You paid $10,000 for a new ATV a few years ago, but now it’s only worth $5,000. If it’s totaled in a covered accident and the latest model costs more than $10,000, Progressive will pay you that amount. Carried contents Your ATV or UTV is often your work horse, as you use it to hunt or plow. Carried contents coverage protects your camping equipment, hunting gear, and any personal property that could fall out of your vehicle. Example: Your new tent is ruined in a covered ATV accident. We’ll pay to replace it. FAQ Is ATV insurance required? Not all states mandate insurance on your ATV or UTV, but places where you ride it might – like RV trails and public parks. Also, if you’re financing your vehicle, some lenders will require comprehensive and collision coverage. Is your four-wheeler covered by your home insurance policy? Home insurance typically covers your ATV for scenarios on your property only. That means you’ll need a separate ATV/UTV policy for accidents that occur away from home. How much is ATV/UTV insurance? Your price depends on many factors, including your vehicle’s make, model and location. Your age and driving history also help determine your rate. Does Progressive insure all ATV, UTV, and side-by-side brands? We insure nearly all popular makes and models, including but not limited to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki. Tips for ATV insurance quotes If you already have motorcycle insurance with us, you can simply add your ATV/UTV to your existing motorcycle policy Know your vehicle’s engine CC (cubic centimeter) size as well as any customizations (does the ATV or UTV have a modified frame, turbo kit, or nitrous oxide kit?) for the most accurate quote Completing a motorcycle safety course could lower your insurance rate Choose from our Basic, Choice, or Plus packages—or customize your ATV insurance quote with only the coverages you want Get four-wheeler insurance and stay protected on and off the trail Get a quote Or, call 1-855-347-3939 Insurance Car Insurance Home Insurance Progressive Answers Explore All Products Our Company About Us Careers Investors Newsroom Quick Links Continue Previous Quote Report a Claim Make a Payment PerkShare Connect 1-855-347-3939 Contact Us Progressive App Become a Partner Search / Keywords Facebook Instagram Twitter YouTube Lifelanes Contact Us Site Map Accessibility Services Technical Help Privacy & Security Terms of Use Insurance Resources RANKED #1 WEBSITE FOR EASE OF USE Copyright 1995 - 2021. Progressive Casualty Insurance Company. All Rights Reserved. We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Δ Disclosure Discount varies and is not available in all states or situations. * Disclosure Not all discounts available in all states and situations. † Disclosure Discount not available in North Carolina.