How Much Is ATV Insurance? Average Cost Ranges in 2026

ATV insurance costs about $88 a year for liability-only coverage and $327 for full coverage in ValuePenguin’s 2026 sample ^{[ValuePenguin, ATV Insurance: What Does It Cover and How Much Is It?, 2026]}, which finds ATV insurance usually slightly cheaper than motorcycle insurance. That is one rider profile, not a quote. Where a given ATV lands inside the band turns on which coverages are on the policy, the machine’s value, the deductible, the rider’s record, and the state. In that sample, adding comprehensive and collision is what moves the average from $88 to $327.

Direct answer

ValuePenguin’s 2026 sample puts ATV insurance at about $88 a year for liability-only coverage and $327 for full coverage, for a 30-year-old rider in Green Bay, Wisconsin, on a 2021 Honda FourTrax Rubicon ^{[ValuePenguin, ATV Insurance: What Does It Cover and How Much Is It?, 2026]}.

That range is wide for a reason. In ValuePenguin’s sample the bottom of the range is a liability-only policy and the top is full coverage. The number is not a single price, it is a band, and the coverages the rider selects decide where inside it they land. The ATV insurance overview covers the providers that write these policies.

Sample ATV premium ranges

ValuePenguin’s sample gives two figures for one rider and machine, not a full spread. These profiles show how coverage choices move the premium; they are not priced:

Theft and physical damage only, low-value machine, clean record. This covers the ATV against theft and crash damage but pays nothing toward an injury claim.
Mid-range machine with off-road liability added. Adding liability is the change that takes a cheap policy to a complete one.
Higher-value or accessorized machine with liability, passenger, and accessory coverage. A heavily equipped ATV carrying passengers off the owner’s land is the profile that prices highest.

motoinsure’s cost model, which builds the broader motorcycle insurance cost ranges, does not cover ATVs, so no modeled figure is shown here.

What moves an ATV premium

Six factors do most of the work inside the range. The coverages selected are the largest lever: a physical-damage-and-theft-only policy is cheap, but adding off-road liability, medical payments, and accessory coverage each move the premium up. The machine’s value sets the ceiling on a physical-damage payout, so an expensive ATV costs more in absolute terms than a cheap one. The deductible trades premium against out-of-pocket on a claim; raising it lowers the premium. The rider’s record matters as it does on any policy, with violations and prior claims pushing the rate up. Whether passengers are carried raises the liability exposure and the premium. The state feeds in through local theft and weather risk.

The factor most owners underweight is the first one. The coverage chosen is one of the factors that sets the price ^{[Insurance Information Institute, 2024]}, so two riders on identical ATVs can see very different premiums simply because one carries off-road liability and the other does not. That coverage is also the one a homeowners policy never reaches off the property, so pricing it in is usually the right call rather than chasing the lowest number.

Who it applies to

These ranges apply to owners of dedicated off-road ATVs insured on a standalone ATV or powersports policy. The bottom of the band fits a rider with a low-value machine, a clean record, and a narrow policy. The top fits a rider with a higher-value or accessorized machine who carries passengers and rides off their own land.

The ranges do not apply to a UTV or side-by-side, which seats multiple occupants and prices higher on liability than a single-rider ATV. They also do not apply to a street-legal quad registered for road use, which would be rated against on-road exposure the off-road band excludes.

How to lower an ATV premium

The levers that work on an ATV policy are a narrower set than on a road policy, because the policy itself is narrower. Completing an approved safety course, bundling a multi-policy package, and paying the premium in full are the discounts Progressive lists for its ATV policy ^{[Progressive Corporation, 2026]}. The discounts hub covers how each one is calculated.

Anti-theft matters more on an ATV than on most vehicles, because theft from trailers and properties is one of the main losses the policy is built around, so securing the machine both lowers the risk and can earn a discount. Raising the deductible is the other reliable lever. What does not carry over are the on-road discounts that drive savings on a street policy, because the ATV policy does not price for on-road risk. Discounts vary by carrier and state.

How much does ATV insurance cost per year?

ValuePenguin’s 2026 sample puts it at about $88 a year for liability-only coverage and $327 for full coverage, one rider profile rather than a quote. It sits below the all-bikes median because an off-road ATV carries no on-road liability exposure. Where a given ATV lands depends on the coverages selected, the machine's value, the deductible, the rider's record, and the state.

Why is ATV insurance cheaper than motorcycle insurance?

A dedicated off-road ATV is not registered for public roads, so it carries no on-road liability exposure, the largest cost driver on a street motorcycle policy. With no risk of colliding with a car in traffic, the ATV policy is narrower and prices below a comparable road-vehicle policy.

What makes an ATV policy more expensive?

The biggest swing is adding off-road liability, then medical payments and accessory coverage. A higher-value machine, a lower deductible, carrying passengers, a poor driving record, and a higher-risk state all push the premium toward the top of the range. A theft-and-collision-only policy on a low-value machine is the cheapest profile.

Can I lower my ATV insurance cost?

Yes. Insuring multiple off-road vehicles, bundling policies, paying in full, raising the deductible, and adding anti-theft measures are the levers that typically apply. Anti-theft matters most because trailer and property theft is a core ATV loss. Discounts vary by carrier and state.