ATV insurance

All-terrain vehicles are ridden hard. You need insurance that’s just as tough.

ATV insurance coverages and discounts


We offer a range of coverages for all types of ATVs, including three wheelers, four wheelers and quad bikes.

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Many states require ATV drivers to have liability coverage. And collision coverage may be required if you lease or finance your ATV.

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Making ATV insurance more affordable.

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Why you need ATV insurance

If you’re operating an ATV on state land, or off your property in general, your homeowners insurance likely won’t cover it. With an ATV insurance policy, you won’t miss out on off-road adventure.

We’ll make sure you have the proper coverage regardless of how it’s used – transporting feed and water on the farm or adventuring in the wild.

ATV insurance protects you in the event of an accident or other causes of damage. It also covers bodily injury and damage to others’ property, if you are at fault in an accident. It can pay for legal expenses, as well as other people’s medical costs and lost wages. And remember, most states require liability coverage for your ATV.

You can start an ATV insurance quote right now by clicking Start your quote above, by talking to your local agent or by calling us at 1-877-669-6877.

Let's Champion Rider SafetySM

The popularity of off-road vehicles has led to an increase in accidents, injuries and even fatalities. To reverse this alarming trend, Nationwide and Dale Earnhardt Jr. have initiated a new safety initiative, Let’s Champion Rider Safety. The focus is connecting ATV and UTV riders to crucial safety resources and encouraging responsible riding. Join us and become an ATV/UTV safety champion.

Superior claims service

ATV riding can be rough. So, accidents and claims are bound to happen. Most importantly, make sure you’re safe & wear the proper gear – especially a helmet. We have excellent claims service that can get your ATV repaired quickly. But our primary concern is your safety.

When you choose a repair shop from our On Your Side® Specialty Repair NetworkSM, all repairs come with a written guarantee for as long as you own or lease your ATV.

To file a claim, call 1-800-421-3535 anytime.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.