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Conquer Every Trail with Confidence
Whether you’re climbing rocky backcountry paths or hauling gear across your land, the right ATV insurance keeps your adventures from turning into expensive setbacks. A well-built policy can cover collisions, rollovers, theft, and liability if someone’s injured.
At Trailstone Insurance Group, we compare top carriers and guide you to coverage that fits your ATV, your budget, and how you ride, so you can focus on the fun, not the “what-ifs.”
Three Things Every ATV Rider Should Know
ATVs are built for freedom, adrenaline, and the kind of fun you cannot have indoors. But the way you ride and where you ride comes with risks most people never think about until it is too late.
ATVs go where other vehicles cannot
From backwoods trails to sand dunes, ATVs face hazards like deep mud, hidden rocks, and sudden drops. Collision and comprehensive coverage keep you protected whether the damage happens on the trail, in the garage, or during transport.
Gear costs more than you think
Helmets, goggles, winches, racks, and custom tires add up fast. Accessory and equipment coverage ensures your investment in gear is protected if it is damaged, lost, or stolen.
Accidents do not just happen at high speeds
Even a slow tip over in the driveway can injure a passenger or damage someone else’s property. Liability coverage handles the medical bills and repairs so you can focus on getting back to riding.
Coverage for Every Kind of ATV
Different ATVs are built for different jobs, and each comes with unique risks. Here are six common types we insure:
Sport ATVs
Lightweight and built for speed, sport models like the Yamaha Raptor, Honda TRX450R, and Suzuki QuadRacer are favorites for racing and aggressive trail riding. Coverage should include collision and injury liability for high-risk use.
Utility ATVs
Workhorses like the Polaris Sportsman, Can-Am Outlander, and Honda FourTrax Rancher are common on farms, ranches, and job sites. Policies should cover towing equipment, cargo, and liability for work-related accidents.
Side-by-Sides (UTVs)
Popular models such as the Polaris RZR, Can-Am Maverick, and Yamaha Wolverine carry passengers and gear, often with expensive accessories. Insurance can cover rollovers, custom upgrades, and passenger liability.
Youth ATVs
Smaller models like the Polaris Outlaw 110, Honda TRX90X, and Yamaha Grizzly 90 still need coverage for injuries, theft, and damage, especially during supervised recreation.
Touring ATVs
Comfort-focused machines such as the Can-Am Outlander Max, Polaris Sportsman Touring, and CFMOTO CForce 600 Touring are built for long-distance trails. Coverage should include property protection and roadside/trailside assistance.
Mud or Dune ATVs
Specialized for extreme terrain, models like the Can-Am Renegade X MR, Polaris Scrambler XP 1000, and Yamaha YFZ450R SE face heavy wear. Comprehensive coverage can protect against engine damage and recovery costs.
Why ATV Accidents Are Not Just a “Trail Problem”
Many riders think the only time they need ATV insurance is when they are out on rough trails. In reality, some of the most expensive claims happen in places that feel safe.
- ATVs are stolen from driveways, barns, and sheds more often than they are taken from trails
- Transporting your ATV can lead to damage or accidents that affect both your machine and your tow vehicle
- Injuries to friends or family riding as passengers can happen at low speeds and on private property
Coverage designed for ATVs goes beyond trail mishaps. It protects your machine, your gear, and the people you ride with no matter where the accident happens.
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Our Simple process
Your Path to the Best ATV Insurance
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
Start With a 15-Minute Call
No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.
Know Your Options. Protect What Matters.
We check with 40+ A-rated carriers and send a simple video that explains your best coverage options, so you can choose confidently without feeling rushed or pressured.
Make a Confident Choice
After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.
Switch With Confidence. We’ll Handle the Rest.
Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless, because getting protected should feel easy.
Answers you can trust, whenever you need them.
Explore ATV Insurance in the Learning Center
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.
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