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ATV Insurance - Get an ATV or UTV Insurance Quote

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Are you looking to insure your all-terrain vehicle (ATV), utility vehicle (UTV), four-wheeler, or side-by-side (SxS)? GEICO provides insurance for many types off-road vehicles, including ATVs and UTVs. Before taking your ride out on the trail, start a free quote to find out how you could combine savings with great customer service on insurance coverage for an off-road vehicle.

What does ATV & off-road vehicle insurance cover?

ATV insurance from GEICO includes a wide range of coverages for you:

  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured motorist

Liability coverages for other people involved:

  • Property damage
  • Bodily injury

Our ATV insurance information page has more information about these coverages.

See What Our Customers Say

"GEICO has a niche with ATV and motorcycle riders! I have been with GEICO ATV insurance for two years and love the online payment options, quality coverage, and peace of mind knowing my ATV is insured."

GEICO Customer in NV

ATV Insurance Discounts

See how much you could save with ATV insurance discounts from GEICO. We know tires, helmets, and accessories can add up, so every dollar saved helps. Check out the various ATV and UTV insurance discounts you may be able to get with GEICO.

Multi-Vehicle Discount

Insure more than one ATV or motorcycle for a multi-vehicle discount.

Experienced Riders Discount

If this isn't your first time down the trail, you may be able to save on your ATV policy with a discount.

Multi-Policy Discount

Even more reason to keep it in the family. We offer Multi-Policy Discounts if you have an active auto or RV policy with GEICO.

Anti-Theft Device Discount

ATVs and side by sides are a target for many thieves. Save yourself some worry and money with an anti-theft system.

Why choose GEICO for four-wheeler insurance?

What you need to start an ATV insurance quote.

We're all about savings. That includes time you can save getting your quote by gathering some info before you start.

  • Have your GEICO Auto, Motorcycle, or RV policy information (if applicable) ready—you could save with a Multi-Policy Discount
  • Identify any completed motorcycle or ATV safety courses, which could help you save money too
  • Locate your year, make, model, and VIN to make entering your info faster

ATV Insurance: Get the answers you're looking for.

  • Do you need insurance to drive an ATV?

    Some states require ATV insurance while others don't. Even if your state doesn't require it, ATV insurance can be a smart investment for a few good reasons:

    • ATVs have a high theft rate
    • Your homeowners insurance might not cover your ATV if you ride it off-property or trailer your ATV to another location
    • If you ride your ATV in a state-owned or public park, you may be required to have specific ATV insurance.
  • Does GEICO provide coverage for all brands of off-road vehicles?

    GEICO covers nearly every popular make and model of ATVs as well as most side-by-side makes and models.

    We do not insure three, six, or eight wheelers or ATVs/UTVs with less than 150 cc's.

  • How much does ATV or UTV insurance cost?

    The price of your insurance factors in your vehicle's make, model, and location, as well as your age and driving history. GEICO offers a variety of cost-saving discounts that could help you save more money, including the Multi-Vehicle Discount, Experienced Riders Discount, Multi-Policy Discount, and Anti-Theft Device Discount! Start your quote today to see how much you could save.

*Installment plan fees may apply.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

This policy is underwritten by GEICO Indemnity Company.

Some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies, or all situations. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York, a premium reduction is available for affiliated groups. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations.

ATV Insurance Coverage Information | GEICO

It doesn't matter if your side by side is shiny new or you've had it for a while and can't imagine life without it, buying ATV insurance is the best way to cover your four-wheeler (and you) when you are out on the trail.

Do I need insurance for my ATV?

It depends—every state has different insurance requirements. As an ATV owner, you should get familiar with your state's liability insurance requirements for operating your ATV on public roads and highways. This will help protect your investment.

You may want to consider purchasing ATV insurance for a few reasons:

  • ATVs have a high theft rate.
  • If you ride an ATV off your property or trailer your ATV to another location, your homeowners insurance may not cover your ATV.
  • If you use your ATV in a state-owned or public park, ATV insurance may be required.

As an off-roader, what does ATV insurance get you?

Wheeling surely gets your heart racing, but what does ATV insurance from GEICO get you? Well, it may not get your blood pumping in quite the same way as hopping on your four-wheeler, but it does help you out if something should go wrong.

Here is a rundown of the coverages included in our customized ATV policy (underwritten by GEICO Indemnity Company):

  • Collision coverage – pays for covered damage to your ATV when it hits, or is hit by, another vehicle or other object. This coverage is available with a $500 or $1,000 deductible.
  • Property damage liability coverage – insures you against certain damages caused to someone else's property while operating your ATV and in most cases, provides you with a legal defense for such claims if another party files a lawsuit against you.
  • Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your ATV and in most cases, provides you with a legal defense if another party in the accident files a lawsuit against you.
  • Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision - such as theft, fire or vandalism. This coverage is available with a $500 or $1,000 deductible and is limited to damage that affects the structure or safe operation of the vehicle.
  • Medical payments coverage – in most states you can select medical coverage for yourself and your passengers.
  • Uninsured/Underinsured motorists coverage – insures you against certain damages in the event of an accident that occurs on a public road or highway where you are struck by someone with no insurance coverage or limits that are lower than yours. The uninsured vehicle must be a vehicle that is designed to be insured and registered for use on a public road or highway (such as a car, truck, or motorcycle).

GEICO insures all-terrain vehicles as well as most side by side makes and models. We do not insure three, six or eight wheelers or ATVs/UTVs with less than 150 cc's, however.

Get it in gear and start your ATV insurance quote today!

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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MTPL for ATV online - apply for an ATV policy

Advantages of MTPL for ATV in Ingosstrakh:

  • Calculation of the cost online in 2 minutes
  • The policy is always at hand - in your account and in the IngoMobile mobile application
  • Benefits for accident-free drivers
  • High reliability rating ruAAA

If you want to protect yourself from unexpected expenses, apply for Casco : the policy will compensate for the repair or damage to your car after an accident.

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Compensation
for damage to property

We will pay up to 400,000 ₽ to owners of property damaged in an accident through your fault

We will pay up to 400,000 ₽ to owners of property, damaged in an accident through your fault

Compensation
for harm to life and health

We will pay up to 500,000 ₽ to participants in an accident injured through your fault

We will pay up to 500,000 ₽ to participants in an accident injured through your fault

1. Calculate
Find out the cost of the policy in the calculator

2. Pay
You can pay for the policy in a convenient way

3. Get
We will send the policy to e-mail and to your personal account

Electronic OSAGO (e-OSAGO) for an ATV

E-OSAGO has the same legal force as a paper-based policy.

You can calculate and issue an electronic MTPL online without inspecting the vehicle and visiting the office. The cost of e-OSAGO and a paper policy is the same.

Immediately after payment, the policy will be sent to your e-mail and will appear in your account. You do not need to print out the MTPL: the electronic version of the policy will always be at your fingertips. When the contract ends, you can quickly renew the policy online.

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What to do in case of an insured event


  1. Report the accident to emergency services - police, ambulance, Ministry of Emergency Situations.
  2. Obtain supporting documents from the traffic police or issue europrotocol.
  3. Report the incident by phone or using the IngoMobile mobile app.
  4. Provide vehicle for inspection.
  5. Send the documents by e-mail or send them to the Ingosstrakh office in St. Petersburg.
  6. Waiting for an insurance claim decision.

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Virtual card Ingosstrakh Bonus Digital

Save up to 50% — pay by card, save bonuses,
pay for insurance policies and products of our partners with them

  • 5%

    for gas stations, tire fitting and car washes

  • 5%

    for OSAGO and other
    policies of Ingosstrakh

  • 500

    bonuses for issuing a card

  • 0 ₽

    for card service

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OSAGO for a quad bike online - get insurance for a quad bike

Insure your quad bike online at Sravni. ru! Purchased insurance will be sent to the post office within 7 minutes. We guarantee the authenticity of the policy and its availability in the PCA database

Enter the car number

We will automatically fill in your data0005

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No number

No commission

We issue policies at the prices of insurance companies, without hidden fees and overpayments

Savings - from 800 ₽ to 5 500 ₽

Prices in insurance companies differ. We will calculate the policy in several companies so that you can buy OSAGO at the best price

All discounts are saved

We will take into account all your discounts for driving experience and history when renewing the policy and changing the insurance company

Policies from reliable companies

We transfer your data to insurance companies directly, without intermediaries. The policy is immediately registered in the insurance and PCA database. We guarantee the authenticity of all policies - more than 1. 5 million motorists have trusted us

How to apply for e-OSAGO

Fill out the form, compare offers and choose the best price prices and choose the best one

Step 3

Check the data and pay for the policy

Step 4

Get the policy by mail and in the application

Just a few minutes - and the policy is in your pocket

Registration in 5 minutes

Buying and renewing policies is more convenient than on the site

OSAGO

always at hand

Your electronic policy will be stored in the application

Other services

Credit rating, loan selection, insurance and more

What to do in case of an insured event

Renaissance InsuranceTinkoff InsuranceIngosstrakhAlfaInsuranceRosgosstrakh

Keep calm
1

Ask the second party to the accident for an OSAGO insurance policy and check it in the PCA database; PCA status

Report the accident
2

Call and report the accident to the insurance company. The operator of the contact center of the insurance company will tell you in detail what to do next

+7 800 333 88 00

Collect documents
3

Fill out the notice at the scene of the accident. Ask the operator of the insurance company about the required set of documents. Submit the full set of documents to the insurance company and receive a referral for an insurance inspection

Download and fill out an application for payment

Send it along with certificates to the mail [email protected]

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Reviews of our clients

OSAGO with a halva card

I have been using the services of Sovcombank Insurance for the second year, I am very satisfied. I took out an OSAGO policy, compared to other insurance, the price turned out to be significantly ... Read

Yuliya, Sergiev Posad

Thank you, thank you , Belgorod

at the highest level

took out OSAGO insurance, quickly and without problems, all documents were sent to e-mail, mail, there was an insured event not my fault, I thought, as always, they would underestimate . .. Read

User, Novokuznetsk

The best OSAGO in the city

the first year I do OSAGO in the insurance PJSC Sovcombank. I like that everything is simple, remote and fast, the policy just comes to your e-mail... Read

RADCHENKO ALEKSANDR STANISLAVOVICH, Blagoveshchensk

buying a policy

Once again, I bought insurance for one of my cars and got high again. The fact that the lowest rate is all clear. But I was pleased that I entered from the data ... Read

Philip, Moscow

CTP policy

I take out insurance for the second year in a row, there was an insured event. Everything was done quickly and remotely. Employees are always polite and competent, ready to... Read more

OLGA, Voronezh

CMTPL policy

There were absolutely no difficulties with registration of the CMTPL policy. Everything was done promptly, the cost pleased, coefficient. calculated correctly Very strongly... Read

User, Krasnodar

OSAGO policy

Good afternoon. issued an OSAGO policy at Sovcombank. got it all done very quickly. the calculation on the site was correct. in the event of an insured event, very... Read

yulia, Ivanovo

OSAGO with a 30% discount

Low payment for insurance and return the cost, cool! I recommend this company. There is always an accessible and good office where you can get... Read

evgeniya, Bugulma

Application for the return of the balance of the amount when selling the car.

The staff explained everything intelligibly, worked through my issue within 5-10 minutes. Great team at Karl Marx 5/1. Read

Timur, Ufa

Expert opinion

Alexander Kraynik

Development Director of the insurance business

I have been responsible for the development of insurance in Sravni.ru since 2019. Prior to that, 10 years of experience in developing digital processes and services at insurance companies AlfaStrakhovanie and Ingosstrakh

Starting August 22, it will be possible to issue OSAGO without a valid diagnostic card and not indicate it at all.


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