- Discounts
- Coverage Options
ATV Insurance Requirements and Coverage
Nationwide offers several all-terrain vehicle (ATV) insurance coverage options to protect you, your ride and others. You can choose the ATV insurance that’s right for you, while meeting the ATV insurance requirements set by your state.
Insurance coverage to protect your ATV
- Collision
- Theft
- Vandalism
- Damage caused by uninsured or underinsured drivers
ATV insurance coverage to protect you and others
- Bodily injury
- Property damage
- Medical payments
- Uninsured and underinsured drivers
- Guest passenger
Special features of ATV insurance coverage
- Up to $30,000 for custom parts and equipment
- An additional $3,000 for parts and equipment, with comprehensive coverage
- Up to $2,000 for safety apparel, with collision coverage.
Learn more about ATV insurance requirements and optional coverage
Liability coverage
Liability insurance covers bodily injury and property damage to others if you are at fault in an accident. Bodily injury pays for other people’s medical costs, as well as their lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if you are sued after an accident. Many states require liability coverage, and each state has its own minimum requirements for all-terrain vehicle insurance coverage.
Comprehensive coverage
Comprehensive coverage helps pay for damage to your ATV not caused by collision, such as damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters. Comprehensive also covers custom parts and equipment.
Collision coverage
Collision coverage helps pay for damage to your ATV if you hit another vehicle, another vehicle hits you, or your ATV rolls over. This coverage also includes up to $2,000 for safety apparel, and may be required if your all-terrain vehicle is leased or financed.
Uninsured or underinsured motorist coverage
Uninsured or underinsured coverage helps pay for damages to your all-terrain vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. This coverage also helps pay the medical costs for you and your passengers if an accident caused by an uninsured or underinsured driver results in injury. Uninsured or underinsured coverage may also pay for lost wages and other damages. Be aware that ATV insurance requirements and coverage vary from state to state.
Medical payments coverage
Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
OEM endorsement
An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.
Get an ATV Insurance Quote
- Contact a Nationwide insurance agent
- Call 1-877-On Your Side® (1-877-669-6877)
