Owning an all-terrain vehicle (ATV) can lead to many memorable and fun adventures. Whether you are cruising over some hilly sand dunes or swerving back and forth between trees in the middle of a muddy forest, it is hard not to enjoy having one. However, owning these thrilling vehicles can lead to some pretty scary and unnecessary costs if you aren’t careful when it comes to getting covered by the right ATV insurance. A few of the most popular trails or areas for ATV riders in Michigan are Silver Lake (which is the only Michigan State Park to allow off-road vehicles), Bull Gap, and St. Helen. And believe me, Murphy’s Law is in full effect at these places and insurance is your lifeline whether on ATV or dirt bike.


What Are My ATV Coverage Options?

Getting covered is not just recommended, it is almost a necessity. To fully be able to have fun and enjoy riding your ATV carefree, it helps to know that in the worst-case scenario should an accident happen, you are insured and covered. To give you some examples of when you are looking, here are some options of coverage for your all-terrain vehicle.

Liability Coverage – If you cause an accident that injures someone or cause property damage and is at fault, you will be covered with this. In addition, this will cover the costs of anything as a result of an accident such as medical bills, property damage, or legal fees if you are sued.

Comprehensive Coverage – Comprehensive coverage covers the situations that are for the most part uncontrollable. A few examples of situations that will cause this to go into effect are theft, vandalism, fire damage, severe weather.

Collision Coverage – Whether you are using your ATV for recreation or extreme riding, you will most likely be using it in situations that may make you vulnerable to accidents with both other drivers and objects. Collision will cover repairs and even some replacement costs for your ATV.

Uninsured/Under-Insured Motorist Coverage – Unfortunately, it is not that rare to have accidents happen between two or more riders. This type of coverage will protect you if the other driver either does not have coverage or not enough to cover you.


How Much Does ATV Insurance Cost?

Many types of people own and ride their ATV and like the people riding them, the ATV themselves come in all different shapes, sizes, and styles. The average cost of ATV insurance varies drastically from $150 to $500 all depending on specifics. To accurately work out the cost, you will need to address a few of the following issues that may affect your price:

  • Type of vehicle
  • Driving history
  • How often you ride your vehicle
  • How you use your vehicle (racing, casual, extreme environments, etc.)
  • How much you are willing to spend
  • Age of drivers


Get On The Track Before You Go Off-Roading

As an owner of an ATV, thrill-seeking may come second nature. For other drivers, they enjoy traveling the local courses for casual slow rides. Regardless of the type of rider you are, you are susceptible to uncontrollable costs, your fault or not. If you contact Compass Insurance Agency, we will help make sure that the only unpredictable thing regarding your ATV is the type of road you will be driving on next.