Make a Payment | Online Services Login | Blog | Just for Agents HOME / INSURANCE / ATV AND UTV INSURANCE ATV and UTV Insurance When you bought your ATV or UTV you were probably thinking of the fun you’d have or the work you’d get done. You likely weren’t thinking about insuring it. Although some states require insurance for an all-terrain vehicle or utility vehicle, not all do. Even if your intent is just to drive it on your own property, here are a few reasons why you may want to talk to your agent about insurance. Here’s why: There’s always the potential for liability. Maybe a passenger gets injured, or someone’s property gets damaged. Collisions happen. It may not be another vehicle, it could be a tree stump or a fence that mangles your machine. Insurance can cover your otherwise out-of-pocket repair cost. Other things can happen, too, like a fire. It’s possible to add an endorsement to your homeowners policy to cover liability exposure, but that may only provide limited liability coverage and you may not be able to extend your auto policy’s coverage to the vehicle when you are driving an ATV, UTV, or Side by Side. Instead, our robust policy gives you all of the coverage options that we offer to a motorcycle. It’s a lot, including an option for replacement cost. What we cover Sport Utility Side by Side Multi-passenger 4-wheel 6-wheel 8-wheel Note that we do not accept 3-wheel ATV models. You may be eligible for multiple discounts Being a homeowner Not having driving violations Insuring multiple units with us Paying in full Not having a claim in the past year Completing a safety course Transferring your policy to us Opting for electronic policy documents Choose your coverage, settlement, and options Liability plus collision and comprehensive (a.k.a. full coverage) Liability plus comprehensive Liability only ACV or replacement cost settlement Upgrade your policy: Increase coverage up to $30,000 for accessories or equipment not provided by the manufacturer. Bump up personal effects and safety apparel coverage to $2,500. Add coverage for your transport trailer. Want more information or a quote? Your agent can answer your questions and get you a quote. Looking for an agent? Use this search tool to find one near you, or call us at 866-884-6167. Quick Links Find an agent for a quote Current customers Learn More Maintaining an ATV can be involved, but before you ride, check these six essentials. Keep reading Home Customer center Make a payment File a claim Change your policy Manage your account Insurance solutions Mobile home Vacation home Collector car Motorcycle Snowmobile Full-time home Vacant property Boat ATV & UTV Pet Health Rental property Condominium Yacht Golf cart Company overview Newsroom Media resources Management team Careers Company values Company history Campus directions Contact us Adjuster training Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates, discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No. 2222-8) and American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1.) American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are trademarks or registered trademarks of American Modern Insurance Group, Inc. All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services. Corporate office | 7000 Midland Blvd. | Amelia, OH 45102 | webinfo@amig.com Mailing address | PO Box 5323 | Cincinnati, OH 45201-5323 © 2021 American Modern Insurance Group, Inc. All rights reserved. Privacy policy | Legal disclaimers | Notice of information practices