Save Up to 40% on ATV Insurance in Utah

Utah does not require insurance for ATVs operated exclusively off-road on private land. However, if you ride on public lands, trails managed by the BLM or Forest Service, or any road open to OHV use, liability insurance is strongly recommended and may be required. Many lenders also require full coverage if you're financing your ATV.

ATV insurance in Utah typically costs between $75 and $350 per year depending on the vehicle type, value, coverage level, and rider experience. Basic liability can be as low as $75/year, while comprehensive and collision coverage on a newer side-by-side may run $250–$500/year. We compare rates from 15+ carriers to find you the lowest price.

ATV insurance can include liability coverage (bodily injury and property damage to others), collision coverage (damage from crashes), comprehensive coverage (theft, fire, vandalism, weather, wildlife), medical payments (injuries to you and passengers), uninsured motorist coverage, and custom parts and equipment coverage for aftermarket accessories.

Yes. ATV insurance policies typically cover all types of off-highway vehicles including ATVs (four-wheelers), UTVs (utility vehicles), Side-by-Sides (SxS), and dirt bikes. Each vehicle type may have slightly different rate structures, but they are all covered under OHV/ATV insurance policies.

Yes, you can still get ATV insurance with a less-than-perfect driving record. While your auto driving record can influence ATV insurance rates, we work with multiple carriers — some of whom specialize in non-standard coverage. We can shop your situation to find the most affordable option available.

Most homeowners policies provide very limited or no coverage for ATVs, especially when operated away from your property. If your ATV is stolen from your garage, your homeowners policy may cover it as personal property, but it typically won't cover liability, collision, or off-property use. A dedicated ATV insurance policy is the best way to ensure full protection.