About ATV Insurance

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About ATV Insurance

Looking for ATV insurance or UTV coverage? GEICO's customized ATV policy (underwritten by GEICO Indemnity Company) ensures that you get the best protection available for your four wheeler.

What is ATV Insurance?

GEICO ATV insurance is an insurance policy designed to meet the special needs of ATV owners - on and off the road. GEICO insures all terrain vehicles as well as most UTV makes and models. We do not insure three, six or eight wheelers or ATVs/UTVs with less than 150 cc's.

Why do you need ATV Insurance?

If you are unsure whether ATV insurance is necessary, consider the following: ATVs have a high theft rate. Your homeowners insurance policy may not cover your ATV if you ride off your property or if you trailer your ATV to another location. Also, if you use your ATV in a state-owned or public park, ATV insurance may be required. Why take chances? An ATV insurance policy from GEICO gives you the freedom to ride your four wheeler whenever and wherever you want, without worry.

What does ATV Insurance Cover?

ATV insurance provides the following coverages which protect you, your all-terrain vehicle, and others on the trail.

  • Bodily injury liability coverage is included in our policies for injuries to other people in an accident. In most states, you can select Medical coverage for yourself and your passengers.
  • Property damage liability coverage is also included to cover damage to other vehicles on public roads and highways.
  • Comprehensive Physical Damage and Collision coverages are available on your ATV with a $500 or $1,000 deductible. The Physical Damage coverage is limited to damage that affects the structure or safe operation of the vehicle.
  • Uninsured/Underinsured coverage protects you in the event an accident occurs on a public road or highway where you are struck by someone with no insurance coverage or limits that are lower than yours. The vehicle that strikes you must be designed to be insured and registered (car, truck, or motorcycle, for example).

Why Buy ATV Insurance from GEICO?

Our ATV coverage doesn't stop where the pavement ends. On top of our great rates, you can rely on GEICO to be there for you and your all terrain vehicle whenever you need us. Whether you have a utility ATV for hunting in the woods or a sport ATV at the beach, GEICO can meet your ATV insurance needs.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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