ATV & Off-Road · Norman, OK
The Kids Bring Friends Over. A Friend Flips the Four-Wheeler. Then What?
That is why you carry guest liability. If a guest on your property gets hurt on your machine, the policy answers. Standard limits start at $25,000 per person and $50,000 per accident, and we can take guest liability all the way up to $1,000,000.
$1,500 → $1,100
one real off-road policy, per year, before and after bundling
Four-wheelers, side-by-sides, dirt bikes, golf carts, and jet skis. Guest liability up to $1,000,000 and trailer coverage with a $100 deductible option.
Four-wheelers, dirt bikes, go-karts, golf carts, jet skis, and side-by-sides like a RZR or a Can-Am. Basically anything that is not going to be on a street most of the time, we cover under one off-road policy. People with acreage and a small side-by-side use the same policy as people with a trailer full of four-wheelers.
The premium lands in the middle, between an auto policy and a motorcycle policy. And this product has to be bundled with something, which is good news, because the discount is large.
What it covers
What does off-road vehicle insurance cover?
Bodily injury and guest liability
Liability for injuries to others, with guest liability for friends and family riding your machine. Standard is $25,000 / $50,000; we can go up to $1,000,000.
Medical payments
Medical bills for riders after an accident. Ask us about the per-person limits available on your machine.
Uninsured motorist
The same protection as your auto policy if an uninsured driver causes the accident.
Comprehensive and collision
Theft, fire, and rollover damage. Flipping it is 100 percent covered. Deductibles go as low as $100.
Transport trailer
From $600 up to $10,000 of coverage for the trailer, with its own deductible and a $100 option. If the trailer tips while hauling, both the trailer and the machines on it are covered.
Custom equipment
A big one for anyone who modifies their four-wheeler. Lifts, lights, winches, and audio.
In Jonathan's words
What Our Sales Manager Tells Every Caller
“If someone is a guest on your property, or a friend, and they get into an accident, you have coverage. Standard is bodily injury 25,000 / 50,000 per accident, and we can go all the way up to a million dollars in coverage for guest liability.”
“Let us say you are hauling the four-wheelers. If it tips over or something happens, you have that coverage for the trailer and the four-wheelers themselves. And if it is sitting on your trailer and someone steals the trailer with it, they both have coverage if you have the trailer coverage added.”
This page is based on a recorded interview with our Sales Manager, Jonathan Sambrano, lightly edited for clarity. Figures are examples he gave and will vary by policy.
Theft is covered, including on the trailer
Many companies are not covering theft on these. We cover it through comprehensive, and if someone steals the trailer with the ATV on it, both are covered when trailer coverage is on the policy.
$100 deductibles
On both the machine and the trailer.
Guest liability to $1,000,000
Liability and bodily injury are massive on these vehicles. We quote limits that reflect that.
Good to know
Good to know before you call
- This policy must be bundled with something, ideally your home and auto, or at least your auto.
- Mopeds and golf carts generally fall under this policy rather than the motorcycle policy.
- Jet skis are written here as well.
Bundle and save
An ATV policy has to be bundled, and the discount is massive
You want to bundle ATV with home and auto, or at least auto. One policy Jonathan pulled up was about $1,500 for the year without the bundle and about $1,100 with it.
FAQ
ATV insurance questions we hear
Yes. It is covered through comprehensive. If the trailer is stolen with the machine on it, both are covered when trailer coverage is on the policy.
It is 100 percent covered under collision.
Four-wheelers, dirt bikes, go-karts, golf carts, jet skis, and side-by-sides such as a RZR or Can-Am. Basically anything not meant to be on the street most of the time.
Yes, with something. Ideally your home and auto, or at least your auto. The bundle is what produces the large discount.
Related coverage
People who look at this also ask about
- Motorcycle InsuranceA separate policy with guest bodily injury, $10,000 death indemnity included, gear coverage, and deductibles as low as $250.Learn more
- Boat InsuranceSeasonal payment option, trailer coverage standard, custom valuation for upgraded motors, and guest coverage for everyone aboard.Learn more
- Auto InsuranceLiability up to $500,000 per accident, a $0 comprehensive deductible option, and accident forgiveness from day one.Learn more
Coverage, limits, and discounts vary by policy and are subject to carrier underwriting. A licensed agent will confirm what applies to you.
Get in Touch
Quote the whole fleet, trailer included
Tell us what you ride, what you haul it on, and what you already insure with us. A licensed agent will quote it bundled.
Phone
(405) 253-7879
Office Hours
Monday – Thursday, 8:30 AM – 5:30 PM
Friday, 9:00 AM – 5:00 PM
Closed Saturday & Sunday
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