Adventure with Confidence
ATV & Off-Road Vehicle Insurance
Protect your ATVs, UTVs, dirt bikes, and other off-road vehicles with comprehensive coverage designed for New Jersey riders. Get the protection you need for wherever the trail takes you.
ATV Insurance Coverage Options
From weekend trail rides to daily farm work, we offer flexible coverage options to protect your off-road vehicles and your financial security.
Liability Coverage
Protects you if you injure someone or damage property while riding
- Bodily Injury Liability
- Property Damage Liability
- Legal Defense Costs
Collision Coverage
Covers damage to your ATV from accidents with other vehicles or objects
- Collision with Vehicles
- Object Collisions
- Rollover Protection
Comprehensive Coverage
Protection from theft, vandalism, fire, and natural disasters
- Theft Protection
- Vandalism Coverage
- Weather Damage
- Fire Protection
Medical Payments
Covers medical expenses for you and your passengers
- Emergency Medical Care
- Hospital Bills
- Passenger Coverage
Uninsured Motorist
Protection if hit by an uninsured or underinsured rider
- Bodily Injury Coverage
- Property Damage
- Hit and Run Protection
Accessories Coverage
Protects custom parts, equipment, and accessories
- Custom Parts
- Safety Equipment
- Mounted Accessories
- Cargo Boxes
Off-Road Vehicles We Insure
Whether you ride for work or play, we have coverage options for all types of off-road vehicles.
All-Terrain Vehicles (ATVs)
Four-wheelers designed for off-road use, including sport and utility models
Utility Task Vehicles (UTVs)
Side-by-sides, including recreational and work vehicles
Dirt Bikes & Motocross
Off-road motorcycles for trail riding and competitive racing
Dune Buggies
Sand rails and recreational dune vehicles
Golf Carts
Modified golf carts used for neighborhood and recreational purposes
Snowmobiles
Winter recreational vehicles for snow and ice conditions
ATV Insurance Discounts & Safety
Responsible riders deserve better rates. Take advantage of our safety-focused discounts.
Safety Course Discounts
Complete an approved ATV safety course for premium reductions
Protective Gear Credits
Save money when you use proper helmets and safety equipment
Multi-Vehicle Savings
Insure multiple ATVs or bundle with auto insurance
Secure Storage Discount
Lower rates for vehicles stored in locked garages or facilities
Mature Rider Discount
Experienced riders often qualify for lower premiums
Claim-Free Rewards
Maintain lower rates with a clean claims history
Ready to Protect Your Off-Road Adventures?
Get a customized ATV insurance quote in minutes. Our local agents understand New Jersey riders and can help you find the perfect coverage.
ATV Insurance Questions
Do I need insurance for my ATV in New Jersey?
While New Jersey doesn't require insurance for ATVs on private property, coverage is strongly recommended. If you ride on public land, transport your ATV, or have a loan on it, insurance is often required. It also protects you from liability if someone is injured.
What does ATV insurance typically cost?
ATV insurance costs vary based on the vehicle type, engine size, your location, and coverage levels. Most policies range from $100 to $500 annually. Sport ATVs typically cost more to insure than utility models due to higher risk factors.
Does my homeowners insurance cover my ATV?
Homeowners insurance typically provides very limited coverage for ATVs, usually only covering theft from your property with low limits. It doesn't cover liability, collision damage, or accidents away from home. Separate ATV insurance provides comprehensive protection.
Can I get year-round coverage or seasonal policies?
We offer both year-round and lay-up policies. Lay-up coverage maintains comprehensive protection during storage months while suspending liability and collision coverage, saving you money during the off-season.