How Much Is ATV Insurance for New Vehicles in the US?

In the US, ATV, Side-by-Side, and UTV insurance is structured similarly to passenger auto policies, split into mandatory/required coverage (depending on specific usage scenarios or loan requirements) and non-mandatory coverage (supplemental commercial insurance). If you only purchase minimum "liability-only" coverage, it costs roughly $100 – $250 per year; full coverage for a standard new ATV (4-wheeler off-road motorcycle) is about $300 – $600 / year, while full coverage for UTVs / Side-by-Sides priced between $15,000 and $30,000+ is about $500 – $1,000+ / year.

Mandatory Insurance (Required by Law or Lenders): "Mandatory" Coverage to Compensate Others

Lender Mandate: If the vehicle is financed, lenders strictly require 100% Full Coverage (which includes Collision and Comprehensive insurance), with deductibles typically capped between $500 and $1,000.
Public Lands / Trails Mandate: State laws in many states—such as New York and Pennsylvania—require riders to carry proof of liability insurance when entering public off-road areas or crossing public roads.

Coverage Type

Common Limits

Est. Annual Premium (New Vehicle)

Primary Purpose

Bodily Injury Liability

Statutory Minimum: $25,000 / $50,000

(Recommended: $100k / $300k)

Included in Base Liability Package:

$85 – $200 / year

Pays for medical bills, lost wages, and legal costs of others (other riders, pedestrians, or passengers) injured due to your riding fault.

Property Damage Liability

Statutory Minimum: $10,000 – $25,000 / incident

Included in Base Liability Package

Pays for damage caused to another person’s property (other vehicles, fences, homes, or public infrastructure).

Optional Insurance (Supplemental Commercial Coverage): Protecting Your Asset Value and Personal Safety

Coverage Type	Common Limits	Est. Annual Premium (New Vehicle)	Primary Purpose
Collision Coverage	Actual Cash Value (ACV) (Deductible: $250 / $500 / $1,000)	Included in Full Coverage (ATV: $300–$600/yr) (UTV: $500–$1,000+/yr)	Covers damage to your own vehicle caused by rollovers, hitting trees/rocks, or colliding with other vehicles.
Comprehensive Coverage	Actual Cash Value (ACV) (Subject to Deductible)	Included in Full Coverage	Critical coverage. Protects against non-collision losses: theft (ATVs are high-theft items), fire, hail, transit damage, or animal strikes.
Uninsured / Underinsured Motorist (UM/UIM)	Recommended to match Liability limits (e.g., $50k / $100k)	$30 – $75 / year	Covers your medical expenses and losses if you are hit by a driver who has no insurance or flees the scene.
Medical Payments (MedPay)	$1,000 – $10,000 / person	$40 – $100 / year	Quickly reimburses emergency medical treatment for you and your passengers, regardless of who caused the accident.
Custom Parts & Accessories	$1,000 – $5,000+ limit	$20 – $60 / year	Covers aftermarket modifications such as winches, LED light bars, sound systems, snow plows, and crash guards.
GAP Insurance (Financed Only)	Covers difference between ACV and loan balance	One-time fee: $200 – $400	New vehicles depreciate instantly. If total loss or theft occurs early on, GAP covers the shortfall between the insurance payout and your remaining bank loan.

Recommended Essential Insurance Package

For a new ATV or UTV, the most practical, necessary, and cost-effective insurance setup follows one core principle: use low costs to prevent major financial catastrophes, and save on routine premiums with reasonable deductibles.

Best Essential Combination:

(High-Limit Liability) + (Low-Deductible Comprehensive) + (Mid-Deductible Collision) + (Base-Limit MedPay)

Coverage Name	Recommended Limit & Deductible	Why It Is Essential (Core Function)
Liability Coverage	$100,000 / $300,000 (Bodily Injury) $50,000 (Property Damage)	Your core financial shield. Off-road vehicles flip and crash easily. Minimum limits ($25k/$50k) fall short in severe injury cases, while upgrading to $100k usually costs only $20–$40 more per year.
Comprehensive Coverage	$250 Deductible	Core anti-theft defense. ATVs have high theft rates in the US (often stolen whole off trailers or out of garages). A $250 deductible maximizes asset protection against theft or natural disasters.
Collision Coverage	$500 Deductible	Vehicle repair defense. Covers repairs if you hit a tree, roll over, or crash. Avoid $250 deductibles—setting it to $500 lowers this coverage’s premium by 20% to 30%.
Medical Payments (MedPay)	$5,000 / person	Immediate medical payout. Reimburses emergency room and ambulance costs quickly without waiting for fault determination.