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ATV insurance for your off-road adventures

Members save up to 5% through our alliance with Progressive.‍ ‍ See note 1

What's ATV insurance?

ATV insurance is coverage for your ATV or UTV that helps you hit the trail with confidence.

Your ATV will be covered with a motorcycle insurance policy. If you already have motorcycle insurance, you can add your vehicle to your existing policy.

 

Do I need ATV insurance?

Several states require you to have bodily injury and property damage liability coverage. And you may need a policy to ride an ATV in some parks.

Some lenders also require comprehensive and collision coverage if you're financing your vehicle.

What does ATV insurance cover?

Accidents and collisions

If your ATV or UTV gets stolen or damaged, comprehensive and collision coverage can help pay to repair or replace it.

Injuries to yourself and others

Your policy can help pay medical bills for you and any passengers, whether or not you're at fault for an accident.

Property damage and legal costs

If you're responsible for an accident that damages someone else’s property, your policy can help cover repairs. It can also help pay for legal costs if you face a lawsuit.

If someone with no insurance hits you

Uninsured and underinsured motorist coverage can help pay for medical treatment and repair costs. Plus, it can help cover lost wages if you can't work.

Why get a policy through the USAA Insurance Agency?

We have long-standing alliances with other insurance providers, and we monitor these relationships to make sure they meet our standards.

We’ve worked closely with Progressive for over 30 years. You can get help from specially trained representatives who'll serve you at the level you expect.

How much is ATV insurance?

How much you'll pay for coverage depends on your vehicle, your driving history and the coverage options you choose.

 

How to save on your premium

Here are some ways you could save.‍ ‍ See note 2

Safety Course Discount

Lower your rate by completing an approved ATV or UTV safety course.

Responsible Driver Discount

Earn savings if you've had no accidents or motor vehicle violations during the past three years.

Pay-in-Full Discount

Save even more if you pay your yearly premium all at once.

ATV insurance FAQ

  

ATV insurance typically doesn’t cover racing or performing stunts. This includes when you’re riding on a racetrack, in a closed-course event or getting paid for your activities.

Leave your worries in the dust with ATV insurance.

Get protection through the USAA Insurance Agency's alliance with Progressive.

Have more questions?

Talk to an expert. Progressive has agents dedicated to helping USAA members.


Call 

Call 

800-809-1925

For TTY devices, dial 711