ATV insurance provided by 1st Insurance

Whether you’re four-wheeling or working muddy fields, protection means more than just wearing safety gear and driving responsibly. It also means protecting yourself and your all-terrain vehicle with specialized off-road vehicle insurance. That’s where we come in.

Unlike some insurance companies that treat an off-road vehicle as an afterthought or add-on, we create specialized policies that recognize the unique hazards you face when clawing through rough terrain on your ORV. In fact, our coverage features options that many homeowners or auto insurance carriers may not provide—extras such as diminishing deductibles and protection for accessories like your snowplow, bow rack, custom seats, or hitch.

Why do I need ATV insurance?

An ATV insurance policy will cover you if you ride on or off of your property and if you trailer your off-road vehicle to another location. It’s also important to keep in mind that a lot of state-owned and public parks require ATV insurance in order to ride on their trails. Your ATV may not have coverage in these three areas if it is included under your homeowners or auto insurance policy.

With ATV insurance from 1st Insurance, you can drive however far off the beaten path you want to go. It’s the freedom and peace of mind that come with every 1st Insurance policy.

What does ATV Insurance cover?

All-terrain vehicle (ATV) insurance helps protect you and your off-road vehicle if you get in an accident. Each coverage has different limits that you can increase for extra protection.

ATV insurance can help cover costs caused by specific types of hazards. These include:






Falling Objects


In addition to ATVs,  we also insure other types of off-road vehicles such as utility vehicles (UTVs), golf carts, dune buggies, trail bikes, go-karts, Segways, and more.

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