• Dan Frankel

Off-road Vehicle Insurance (ATVs, S&S UTVs, and more)

Updated: May 27

It is important to keep your ride — and you — protected, no matter how far off the beaten path you go. Coverage can be equally important whether your ATV is parked, working on privately owned land, or being driven on an off-road course. And what about six- or eight-wheeled vehicles? We insure those, too.


Why do you need ATV Insurance? A few quick reasons come to mind.

  • One, ATVs have a high theft rate and your homeowner’s insurance policy may not cover your ATV if you ride off your property or if you trailer your ATV to another location.

  • Two, if you use your ATV in a state-owned or public park, ATV insurance may be required.

  • And three, what if someone gets hurt, be it you, a passenger on your ATV, or another rider?

Having the right insurance will help give you the freedom to ride your ATV whenever and wherever you want, without worry.


Insurance doesn't end when the pavement does.


When the road ends, you can rely on Acacia Insurance to be there for you and your ATV. Insurance may help protect your ATV as much as the people on it. We’ll help you balance the options that are right for you with the cost of that protection.


ATV and UAV Liability


Liability insurance is often overlooked, but the facts are clear: like it or not, these vehicles are associated with relatively high rates of injury. Before you decide to take a ride, take time to brush up on the risks to which you may be exposing yourself – and your family.


Many people assume they won’t need ATV liability insurance if they only allow friends or family members to drive. Unfortunately, accidents happen and you may inadvertently injure or cause damage to someone else. If this happens, liability insurance can help make the best of a bad situation.


ATV drivers also need liability insurance in the event they destroy property. Even a simple ATV accident can cause property damage for which the operator of the ATV will be responsible.

Ready to learn more?

Not sure what coverage options are right for you? Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.



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