UTV 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!

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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

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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.

UTV Insurance

If you own a UTV (Utility Task Vehicle), also known as a side-by-side, it is crucial to understand the importance of having UTV insurance. UTV insurance is a specialized form of coverage designed specifically for off-road vehicles like side-by-side. It provides financial protection in case of accidents, theft, vandalism, or other damages that may occur during recreational or utility use of your UTV.

While UTVs are meant for off-road adventures, they are not immune to accidents or risks. UTV insurance acts as a safety net, protecting you from incurring hefty expenses associated with damages or injuries. Without insurance, you may be held responsible for medical bills, repairs, or even legal costs if you are found liable for an accident. UTV insurance typically offers a range of coverage options tailored to your specific needs. These may include:

Liability Coverage: Protects you from financial obligations if you cause injury or property damage to others while operating your UTV.

Physical Damage Coverage: Covers repair or replacement costs if your UTV is damaged in an accident, due to vandalism, fire, or theft.

Uninsured/Underinsured Motorist Coverage: Provides coverage if you are involved in an accident with someone who has insufficient or no insurance.

Medical Payments Coverage: Helps with medical expenses for yourself and your passengers in the event of an accident, regardless of fault.

The cost of UTV insurance varies depending on several factors such as the make, model, age, and value of your UTV, as well as your location, driving history, and desired coverage limits. Additionally, the intended use of your UTV (recreational or commercial) and any modifications may also affect the premium. The best way to obtain an accurate quote is by contacting insurance providers and requesting personalized quotes based on your unique circumstances.

Finding the right UTV insurance policy involves considering multiple factors. Start by evaluating your UTV’s value, your budget, and the level of coverage you require. It’s essential to review policy details, including coverage limits, deductibles, exclusions, and any additional benefits offered. Additionally, compare quotes from different insurance providers to ensure you are getting the best possible coverage at a competitive price.

UTV insurance is a vital aspect of responsible ownership. It offers protection against potential financial burdens arising from accidents, damages, or injuries associated with operating a UTV. By understanding the fundamentals of UTV insurance and addressing common concerns, you can make informed decisions and select an appropriate policy that suits your specific needs. Remember, safety first, both on and off the trail!

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 side-by-sides with confidence. Our UTV insurance products can provide additional insurance coverages including:

    • Liability coverage
    • Collision coverage
    • Comprehensive coverage
    • Uninsured/underinsured motorist coverage
    • Medical payments coverage
    • Personal injury protection
    • Property damage coverage
    • Bodily injury coverage
    • Guest passenger liability coverage
    • Off-road vehicle endorsement
    • Roadside assistance coverage
    • Custom parts and equipment coverage
    • Accessories coverage
    • Rental reimbursement coverage
    • Trail damage coverage
    • Loss of use 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!