What’s the Difference Between ATV, UTV, and Dirt Bike Insurance?

Exploring Arizona’s trails and open spaces on an all-terrain vehicle (ATV), utility-task vehicle (UTV), or dirt bike is a thrilling way to enjoy the outdoors. However, while available coverage may be similar, each type of off-road vehicle comes with its own risks and insurance needs. At Fast Insurance, we can help you understand your coverage options so you can be financially protected during your next adventure.

Off-road Vehicle Insurance Options

Insurance for ATVs, UTVs, and dirt bikes may often include similar coverage options, including:

• Liability coverage for injuries or property damage you cause to others
• Collision coverage for damage to your ATV from an accident
• Comprehensive coverage for non-collision events like theft or fire
• Medical payments for injuries to you or your passengers
• Accessory coverage for custom parts or equipment

The biggest difference between policies for an ATV, UTV, or dirt bike may come down to coverage limits and acceptable areas of use. For instance, a dirt bike may need more coverage if it’s driven on public roads.

Insurance Requirements

If the off-road vehicle is used on public roads, then insurance may be required. When it comes to off-roading on private land, coverage is often optional but still highly recommended. Some Arizona trails and parks may require proof of insurance, so it’s important to check local requirements.

Additionally, if you finance your vehicle, your lender may require you to carry additional insurance.

Choosing the Right Coverage

Our team at Fast Insurance can help you compare ATV, UTV, and dirt bike insurance options to find the right fit for your needs. We’ll explain state requirements, discuss your riding habits, and recommend coverage that keeps you protected both on and off the trail.

Ready to protect your off-road adventures? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.