ATV Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Insurance Policy

Customize Your Coverage

When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.


Best Price Available

We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!


Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

ATV Insurance

ATV insurance is an essential aspect of owning and operating an all-terrain vehicle. Whether you use your ATV for recreation, work, or both, having the right insurance coverage not only protects you and your vehicle but also ensures compliance with legal requirements. ATV insurance is a specialized coverage designed to protect ATVs and their owners from various risks and financial liabilities. It typically includes liability coverage, which protects you if you cause injury or property damage to others while operating your ATV. Additionally, comprehensive and collision coverage can be purchased to protect your ATV against damage, theft, vandalism, and other perils.

While ATV insurance requirements vary by jurisdiction, it is highly recommended to have ATV insurance regardless of where you ride. Even if your state or province does not legally require insurance, accidents can happen anytime and anywhere. Having ATV insurance provides financial protection in the event of accidents, injuries, or damage caused by your ATV. ATV insurance policies usually offer a range of coverage options, including:

Liability coverage: This protects you if you cause injury or property damage to others.

Comprehensive coverage: This covers damages to your ATV caused by non-collision incidents such as theft, fire, vandalism, or severe weather.

Collision coverage: This covers repair costs or replacement if your ATV collides with another vehicle or object.

Medical payments coverage: This helps cover medical expenses for you or your passengers injured in an ATV accident.

Uninsured/underinsured motorist coverage: This protects if you are involved in an accident with someone who has insufficient or no insurance.

The cost of ATV insurance depends on various factors, including the value and type of your ATV, your location, your driving history, the coverage options chosen, and the insurance provider. On average, ATV insurance premiums range from $100 to $300 per year. However, it’s essential to consider the potential financial burden of an accident or theft without insurance, which could far exceed the cost of premiums.

Many insurance companies offer ATV insurance coverage, including major providers as well as independent agencies specialized in recreational vehicle policies. It’s advisable to shop around, compare quotes, and consider the reputation, financial stability, and customer service of the insurance provider. Consulting with an insurance agent who specializes in ATV insurance can also help ensure you select the right coverage for your needs.

ATV insurance is a crucial component of responsible ATV ownership. By understanding the basics and answering common questions about ATV insurance, you can make informed decisions to safeguard yourself, your ATV, and others around you. Remember, accidents can happen unexpectedly, so don’t delay in securing adequate ATV insurance coverage and enjoy your rides with peace of mind.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their ATV with confidence. Our ATV insurance products can provide additional insurance coverages including:

    • Collision coverage
    • Comprehensive coverage
    • Property damage liability coverage
    • Bodily injury liability coverage
    • Uninsured motorist coverage
    • Medical payments coverage
    • Underinsured motorist coverage
    • Guest passenger liability coverage
    • Off-road vehicle (ORV) coverage
    • Trailer coverage
    • Custom parts and equipment coverage
    • Roadside assistance coverage
    • Replacement cost coverage
    • ATV rental reimbursement coverage
    • ATV race coverage
    • ATV accessories coverage
    • Agreed value coverage
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!