Heading out on the trail and enjoying the fun and freedom that comes with getting mud in your tires on your four-wheeler is hard to beat. If the insurance gurus at Staples and Associates had to guess, we imagine that insurance is the last thing on your mind while you’re exploring the great outdoors.

This is why the insurance experts at Staples and Associates put together this quick glance at ATV insurance, to help you understand what it is and why it’s important!

Is ATV Insurance Required?

Mandated insurance on your ATV varies state to state, but the places that you ride your ATV may require insurance, such as private property, state parks, or public parks. Your ownership status may always require ATV insurance. For example, if you’re financing your vehicle, your lender may require that you are protected by comprehensive and collision coverage on your ATV.

Misconceptions About ATV Insurance

Many riders believe that their homeowner’s insurance policy covers their ATV. However, that only applies to scenarios on the property that the rider owns, and depends on the type of homeowner’s coverage that the rider has.

Another misconception that many riders have, is the belief that their ATV isn’t worth the cost to insure. What they don’t realize is, ATV insurance doesn’t only protect against vehicle repairs or replacements. It also protects you as the owner, against any damage that you may cause to others, no matter if you’re on your property, or not.

If you have any questions about your coverage, please speak to a trusted agent at Staples and Associates.

What Does ATV Insurance Cost?

Like any insurance, the price of your ATV insurance will depend on many factors. These factors include the make and model of your ATV, as well as your geographic location. Your age and driving history will also help to determine the rate of ATV insurance.

The cost of ATV insurance is well worth it considering the coverage that it can provide. Oftentimes, your insurance covers more than just your damaged ATV, it can also provide liability coverage that may even cover legal fees in the event that you’re sued. This insurance may often cover damage that you could do to others or their property with your ATV.

Be sure that you’re making the right decision with your ATV insurance, and contact an agent from Staples Agency with any questions!