Get Pennsylvania ATV insurance quotes, cost & coverage fast. All-terrain vehicle insurance protects you against the risks of owning and operating your PA ATV or UTV/UTL - either on or off road.
To an Pennsylvania ATV enthusiast or rider, there's nothing quite like driving in sand dunes in the desert or through the forest. We can't deny that riding an Pennsylvania ATV is among the most fun things you can do. But, it can be risky, too.
All-terrain vehicles (ATVs) pose a danger to the riders and anyone around them. As such, any PA ATV owner ought to consider getting Pennsylvania ATV insurance. In fact, it's a legal requirement to have basic All-terrain vehicle insurance in some places. Besides, ATVs can cost a significant amount of money. It's, thus, only sensible to have a reliable form of protection.
Some insurers cover ATVs under motorcycle insurance, and the policies are not very different. Other companies provide Pennsylvania ATV insurance through their Off-Road Vehicle division. Often, ATVs may be insured along with; motorcycles, golf carts, go-carts, snowmobiles and dune buggies.
ATVs are neither intended nor licensed for use on roads or highways. And, although each state has its own definition of an Pennsylvania ATV, they're all nearly identical. Most states class any motorized vehicle that has two or more wheels and is designed for off-road driving as an ATV.
Most people associate ATVs with single-passenger, 4-wheeled, off-road vehicles. These are popularly referred to as quads, quad bikes, quadricycles, or four-wheelers. But, there are quite many ATVs which have been designed for two passengers and others with fewer or more than four wheels.
Here's what Pennsylvania ATV insurance generally covers:
Bodily Injury Liability: PA ATV insurance covers any damage associated with anyone who gets injured or killed in an accident caused by the insured Pennsylvania ATV.
This coverage will also pay any legal fees that result from litigation against the policyholder - however, it'll only cover up to the policy's claim limits. These limits are often specified as a certain amount per person and a particular amount per accident, irrespective of the number of people involved.
You ought to ensure that your ATV is driven only by permitted or authorized persons. In case an unauthorized person rides your Pennsylvania ATV, you may be found liable for the injuries he/she suffers while driving it. It's also imperative that you follow the Pennsylvania ATV's guidelines. For instance, ensure you're aware of the vehicle's weight restrictions and avoid overloading it.
Property Damage Liability: It's quite similar to the bodily injury liability coverage. The only difference is that property damage liability will meet the cost of damages your ATV causes to someone else's property. That includes personal belongings. This coverage also has a certain claim limit for one incident.
It's typically lower than the limit applied in the bodily injury liability coverage.
Medical Payments: This ATV insurance coverage is intended to meet any medical expenses that are incurred by those riding in your Pennsylvania ATV.
Collision: An optional ATV insurance coverage where the insurer promises to pay for the necessary repairs in case your Pennsylvania ATV overturns or collides with another vehicle. You'll be required to choose a deductible (the amount you pay out-of-pocket before your insurance kicks in). Most insurers tend to cover up to the ATV's cash value.
If you own a low-value ATV, you can consider forgoing this coverage. It'll also keep the premiums low. But, ensure your policy includes the collision coverage if you are leasing your ATV or financed its purchase.
Comprehensive: Another optional PA ATV insurance coverage where the insurer promises to pay for damages which are not a result of a collision from damages from vandalism, theft, fires, flooding, and earthquakes.
For instance, if your ATV is stolen, you'll get compensation (up to the vehicle's cash value) to replace it by filing a comprehensive claim. You'll be required to choose a deductible for this coverage, too.
Uninsured/Underinsured Motorist: This coverage will be quite handy if you or someone else gets injured in an accident where an uninsured or under-insured person was driving your ATV. It'll cover the resulting expenses. It's generally expected that, if someone else causes damage or injury, their insurer will cover the associated costs. But, some individuals may not have any ATV insurance, or enough insurance to cover your bills, even when the law requires it. This coverage has claim limits, too. These limits are usually specified as a certain amount per accident and individual.
Typically Pennsylvania ATV insurance doesn't cover (excludes):
A standard policy will only cover the ATV's use for either commuting or recreational purposes.
It won't cover any damages or losses brought about by organized racing. But, you can get an Pennsylvania ATV racing insurance policy from select specialty insurers.
Riding ATVs on highways is excluded from coverage because it's illegal. There are several exceptions to that rule, though. Local government agencies may allow ATVs on specific highways. These highways are often within state-owned properties, like large parks or reserves.
ATVs may cross a road but under specific conditions. For example, they must cross the road at a point that's designed for vehicle crossing. Besides that, if an ATV is crossing the road, it ought to come to a stop, and the driver must ensure it's visible to other traffic.
Also intentional damages caused or injuries caused during a criminal act are excluded.
How much does Pennsylvania ATV insurance cost? Insurance rates for ATVs and UTVs vary based on the state requirements and other factors.
Prices can range from a few hundred to over a thousand dollars a year. In areas where there are greater risks and a larger number of claims, rates can go higher.
One factor that keeps costs down is that ATV accidents are often single-vehicle incidents. As such, injuries stem right from the inherent ATVs' dangers, and not other vehicles. And, people probably drive fewer miles and spend less time on ATVs. The result is fewer accidents and insurance claims. Besides, ATVs typically move slower than most other vehicles and have low top speeds.
Request a Pennsylvania ATV Insurance quote in Allentown, Allison Park, Altoona, Baldwin, Bensalem, Bethel Park, Bethlehem, Bloomsburg, Carlisle, Chambersburg, Chester, Drexel Hill, Easton, Erie, Fullerton, Greensburg, Hanover, Harrisburg, Hazleton, Hermitage, Hershey, Horsham, Indiana, Johnstown, King of Prussia, Lancaster, Lansdale, Lebanon, Levittown, McKeesport, Monroeville, Murrysville, New Castle, Norristown, Philadelphia, Phoenixville, Pittsburgh, Pottstown, Pottsville, Reading, Scranton, State College, Upper Darby, West Chester, West Mifflin, Wilkes-Barre, Wilkinsburg, Williamsport, Willow Grove, York and all other cities in PA.
There are some regulations when it comes to Pennsylvania insurance that you should be aware of. We will be looking closely at both personal and commercial insurance within PA to find out what the regulations and limits are, so that whether you own a business or simply drive a car, you are able to get the insurance that is required by law. Understanding what the law requires the first step to making sure that you are compliant. Let's take a close look at these types of insurance.
First, let's discuss business insurance. There are lots of different types of business insurance that you can get, but the most common one out there is what is called commercial liability or general liability insurance. This type of insurance protects you in case you are sued by someone who comes on your property and is injured or has their property damaged by something that happens on your premises. This may be something as simple as slipping on a wet floor or it might be a parking lot mishap the damages the vehicles there.
However, this is not a mandatory type of insurance required by Pennsylvania law.
There are two types of insurance that are required in Pennsylvania however. These are pretty standard across most states. The first is Worker's Compensation insurance which is sort of like health insurance for anyone who is injured on the job. In addition, Pennsylvania requires that commercial vehicles that are actively being used in a business carry commercial auto insurance.
You also need to know what the regulations are for personal insurance. The first type of insurance we will cover is auto insurance. In Pennsylvania, you are required to carry liability insurance for bodily injury of $15,000 per person and $30,000 per accident. In addition, property damage liability coverage is required at an amount of $5000. You are also required to carry uninsured motorist coverage at $15,000 per person and $30,000 per accident as well as underinsurance motorist coverage at $15,000 per person and $30,000 per accident.
Finally, Pennsylvania requires first party benefits medical payments coverage of $5000. This is a great deal more than is required in most states.
There also some life insurance regulations that you will find under Title 40 of the state statutes. A free look period of 10 days is required for life insurance, there is a grace period on payments of 30 days and there is a guaranteed benefits and cash value law as well.
If you are looking for state specific ATV insurance quotes, costs and information: California ATV Insurance, Colorado ATV Insurance, Delaware ATV Insurance, Florida ATV Insurance, Illinois ATV Insurance, Kentucky ATV Insurance, New Jersey ATV Insurance, New York ATV Insurance, Oregon ATV Insurance, Oregon ATV Insurance, Pennsylvania ATV Insurance, Texas ATV Insurance, Washington ATV Insurance.
EK Insurance » Pennsylvania ATV Insurance
Insurance for your all-terrain vehicle (ATV) works a lot like motorcycle insurance and protects you financially if you are in a crash.
It costs about $88 per year for liability coverage and $327 per year for full coverage.
While ATV insurance is not required by law in most states, you'll likely need to buy a policy if you want to ride your vehicle on public trails. Some states also require you to buy insurance in order to ride on anyone's property that isn't your own.
ATV insurance costs about $88 per year for liability-only coverage.
Meanwhile, full coverage costs an average of $327 per year.
Liability-only coverage
Full coverage
Like motorcycle insurance, ATV insurance is much more expensive if you include comprehensive and collision coverage, which pay to repair or replace your ATV if it's damaged or stolen.
| Markel | $61 | $352 |
| Geico | $70 | $421 |
| Progressive | $75 | $188 |
| Average | $88 | $327 |
| Dairyland | $106 | $165 |
| Allstate | $126 | $510 |
All annual quotes are for a 30-year-old man living in Green Bay, Wisconsin, who rides a 2021 Honda FourTrax Rubicon.
ATV insurance is usually slightly cheaper than motorcycle insurance, even though ATVs are covered under motorcycle insurance policies.
People generally spend less time and drive fewer miles on ATVs than motorcycles, resulting in fewer accidents and claims. ATVs also typically can't travel as fast as most motorcycles, and they are usually used on rural trails where there aren't many other vehicles around.
To get the best ATV or UTV insurance rate, you should always compare quotes from at least three insurers. ATV insurance companies evaluate the risk of riders and vehicles differently, so depending on your location and driving history, you may receive a much better rate with one insurer than another.
ATV insurance has discounts available for some policyholders, similar to insurance for motorcycles and other vehicles.
Most carriers offer lower quotes for ATV insurance if you have more than one ATV or motorcycle, have multiple insurance policies (such as homeowners or renters insurance) or have an anti-theft device installed on your ATV.
Most insurance companies cover ATVs under their motorcycle insurance policies.
That means the coverages you can choose are the same, too, including things like liability insurance, coverage for medical bills and comprehensive/collision coverage.
Is there a minimum ATV insurance requirement?
Even though ATV insurance isn't usually required by law, your ATV insurance policy will likely need to meet your state's motorcycle insurance requirements. All ATV insurance policies will include liability protection. Uninsured motorist coverage and medical payments coverage may be required too, depending on your state.
Bodily injury liability (required): This coverage pays if someone besides you or your passenger is injured or killed in an accident associated with your ATV (whether you're driving or not). The limits of bodily injury liability are typically an amount per person and a total amount per accident, regardless of the number of people involved. For example, a $50,000/$100,000 policy will pay up to $50,000 toward each person's injuries and a total of $100,000 for an incident overall.
Property damage liability (required): Similar to bodily injury liability, this coverage pays for any damage an ATV driver causes to another person's property — including their belongings, as well as their home or yard. Property damage just has a single limit per incident: If your limit is $25,000, your policy will pay out up to that amount, regardless of how many people are involved.
Medical payments coverage/personal injury protection (optional in most states): Medical payments coverage pays for any medical expenses incurred by those riding your ATV. It will cover things like surgeries, X-rays, hospital stays and even transportation via ambulance. "No-fault" states require car drivers to carry personal injury protection (PIP) coverage on their policies. But PIP is often not required for motorcycles or ATVs because it is expensive.
Uninsured/underinsured motorist (requirements vary): In the event you or someone riding your ATV is injured by someone who doesn't have insurance, or doesn't have enough to cover your expenses, this coverage will make up the difference.
Ideally, if someone else is at fault for your injury or damage, their insurance would cover the costs they are responsible for. Some states require one or both of these coverages, but not all.
Uninsured/underinsured coverage for ATV insurance also has claim limits. Like bodily injury liability, uninsured and underinsured motorist coverage has limits per individual and per accident.
Collision (optional): This coverage pays to repair damage to your ATV caused by a collision with another vehicle or if it overturns. Policyholders choose a deductible — the amount they pay before their insurer begins to cover costs — and the insurance company will cover up to the value of the ATV.
To keep rates low, the owner of an ATV with a low value might choose to forgo this coverage. You may want to determine how much your ATV is worth before adding collision to a policy. Collision coverage is often required of owners who financed the purchase of their ATV or are leasing it.
Comprehensive (optional): Comprehensive coverage pays for damage not caused by a collision with another vehicle. It also covers the loss of the ATV due to theft, vandalism, flooding, earthquake, fire and other causes. Like collision, comprehensive coverage has a deductible. For example, if someone steals your ATV, you could file a comprehensive claim and your insurer would pay up to the cash value to replace it, minus the deductible.
Owners and riders need to be aware of circumstances when ATV insurance won't cover you, either because of higher levels of risk or illegal behavior.
For example, standard ATV insurance policies only cover use for recreational or commuting purposes. They don't cover loss or damage related to racing. Most ATV racing insurance policies are offered by specialty insurers.
Riding an ATV on highways and roads is not included in your insurance coverage because it is illegal in most states.
Local government agencies across the U.S. can choose to allow ATV traffic on specific roads and highways, usually within state-owned properties, such as large parks or reserves.
Signage regarding ATVs is usually clear and obvious — do not assume ATVs are permitted on any highway, road or trail.
ATVs can cross roads or highways, but usually only under specific conditions. They must cross at a point designed for vehicles to cross — they cannot simply drive over a median. ATVs crossing any road should come to a complete stop and make sure they are visible to traffic.
ATVs and UTVs typically aren't street-legal, so there are no state requirements for insurance.
However, many state-owned lands and parks allow ATVs only if riders have ATV liability insurance. And in the states that do allow you to drive your ATV on the street, you'll certainly need insurance (plus a license plate and any required safety equipment).
ATV insurance is not required on private property where someone has permission to ride.
For example, you don't need liability or any other coverage to legally operate your vehicle on land you own or lease.
Still, ATV riders should consider purchasing a policy to protect themselves and others. If you're involved in an ATV accident and have no insurance, you'll be held financially responsible for damage you cause, as well as costs related to your own injuries and damage to your off-road vehicle.
Generally, homeowners insurance will not cover your ATV or UTV if it's damaged in an accident, as your property coverage doesn't extend to vehicles. For insurance purposes, an ATV works just like any other vehicle, like a motorcycle, car or boat. Each vehicle requires its own insurance policy.
But your homeowners liability insurance may cover an ATV accident if you were responsible for someone else's injury or property damage. For example, if a friend was riding a UTV on your property, injured themselves and sued you for damages, your homeowners liability insurance would typically cover the incident.
Typically no, individual auto insurance policies will not provide coverage on an ATV if you're involved in an accident. However, you may be able to get a discount on coverage for your vehicles if you bundle your policies with the same ATV insurance company.
Health insurance generally covers injuries you sustain while riding an ATV, if the injuries aren't covered by your ATV insurance policy or another driver's liability coverage.
However, some health insurance policies specifically exclude "hazardous activities." Policies that have these exclusions usually refer to things like skydiving or mountain climbing, but it's possible that your health insurance policy excludes ATV injuries, too — the only way to be sure is to ask your insurance company directly.
An ATV, or all-terrain vehicle, is a vehicle primarily designed for off-road use.
When you're riding most ATVs, you straddle the ATV body like a motorcycle and use handlebars to steer, not a steering wheel.
Most people associate single-passenger, four-wheeled, off-road vehicles with ATVs. They are also called four-wheelers, quad bikes, quads or quadricycles. However, there are many ATVs designed for two passengers, and some have greater or fewer than four wheels. For example, the Polaris Ranger 6x6 has six wheels.
In most states, ATV use is typically not allowed on public roads, with specific exceptions like when crossing between trails or driving on dirt roads in rural areas. But some states, like Arizona, do allow you to drive an ATV on public roads, as long as it's properly equipped and registered with the DMV.
A related vehicle is a UTV, or utility task vehicle. UTVs are similarly designed for off-road use but usually have two seats side by side (sometimes with a second row) and a cargo area in the back. They're more designed for carrying cargo and are covered by the same kind of insurance as ATVs.
No, ATV insurance is very affordable. ValuePenguin found an average price of under $100 per year for basic coverage and $327 for full coverage.
ATV insurance is not required by law in most states, but many places (including public trails and some private ATV areas) may not permit you to ride there unless you have coverage.
Like motorcycle insurance, ATV insurance may include liability protection, plus coverage for your own injuries and damage to your ATV — depending on what kinds of coverage you add.
Our sample rates are for a 30-year-old man who lives in Green Bay, Wisconsin, and rides a 2021 Honda FourTrax Rubicon. He's been riding ATVs and motorcycles since he was 16 and has no recent driving or riding incidents.
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Quad bike insurance
The popularity of ATVs has grown significantly over the past few years.
ATVs are a great option for off-road trips and competitions, they are appreciated by hunters and fans of extreme riding. Many owners wonder if such a vehicle needs to be insured after purchase. This question is answered by the experts of the water-motor center "Sport Extreme".
Most often, ATVs are used for sports and entertainment. In our country, they are officially classified as self-propelled vehicles - those that are rarely used on public roads. By the way, snowmobiles, tractors and combines belong to the same category. And while there are no changes in the legislation of the Russian Federation on this matter, the owners of motorcycles decide for themselves the question of the need for insurance.
Every quad bike owner should remember: if he needs, even occasionally, to go to the city or to the highway on his "iron horse", he automatically becomes a road user. And here the law already operates: any vehicle is subject to compulsory insurance.
Therefore, when deciding whether to insure or not, consider for the future what roads you plan to drive on.
On the one hand, an ATV is a vehicle, on the other hand, property. And you can insure it from a number of situations. When applying for a policy with an insurance company, the owner himself chooses from what situations he considers it necessary to protect his ATV: theft, damage (in an accident and not only, damage to equipment by third parties, natural disasters, including snow falling from the roof, etc.) .
If you are concerned about insured events both on the road and off it, make out CASCO, if only the first option is enough CMTPL.
The procedure will require a minimum package of documents. During a personal visit to the insurance organization, you must have with you:
If you are the owner of the vehicle, but another person will drive it, then you will need a passport (or a copy) of this driver to enter it into the insurance. There may be another situation: if you are not the owner of the ATV, then take the owner's passport with you.
Some companies offer to issue a policy remotely. In this case, the employee who will communicate with you via the Internet, by phone or in instant messengers, may additionally ask you to send your clear photo.
The ATV is often used irregularly, so it is far from always profitable to make a policy for a year. Select the periods during which you plan to use the transport. It doesn't have to be a whole summer or fall season. You may well choose specific months (for example, you expect to work hard in the office until July, spend July at a resort, and already in August and September ride a quad bike with a breeze.
You can find this out on the websites of insurance companies (as a rule, there are online calculators there) or by contact numbers of these organizations.
The cost of the service is calculated individually for each client. But there are a number of factors that can influence the final figure in one direction or another:
The model of the ATV also matters. The more expensive it is, the higher the insurance. For example, a CASCO policy will cost about 20% of the cost of the ATV itself.
Do not rush to contact the first company that comes across. Consider several options, call and discuss the conditions, ask questions. And then choose the most attractive, in your opinion, offer.
Before signing, carefully study the contract, including information about what insurance covers and does not cover, about insurance premium payments.
The average cost of an MTPL policy for an ATV is several times lower than car insurance. At the same time, the risk of motorcycles getting into an accident is higher than that of conventional cars. This is definitely unprofitable for companies, but refusing a client means practically sending him to a competitor plus violating No. 40-FZ, Art. 1.
Therefore, some insurers try to cheat, for example, offer additional paid products. They do not have the right to impose them, so before purchasing the recommended one, think about whether you really need it. It is your legal right to refuse additional services you do not need.
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If you are just thinking about buying an ATV, take a look at the Sport-Extreme catalogue.
