FAQ

How Much Does ATV Insurance Cost? Here&039s the Average

If you own an all-terrain vehicle (ATV) or an all-terrain utility vehicle (UTV), then proper ATV insurance is essential. Insurance can not only protect you (and your wallet) in the event of an accident or injury, but depending on where you live, it may be required by law.

Often ATV insurance falls under the category of motorcycle insurance. For those looking to purchase an ATV insurance policy, it’s important to know what the costs of coverage are in general, as well as what factors may affect your premiums. In many cases, you may be eligible for various discounts that can lower your ATV and UTV insurance costs.

Reading: How much is quad insurance

If you’re looking for UTV or ATV insurance coverage, this guide can help. Learn about average ATV insurance costs, factors that affect your premiums, common discounts, and more below.

on this page:

  • what is the average cost of ATV insurance?
  • how the type of coverage you select affects your costs
  • other factors affecting ATV insurance costs?
  • how to reduce the cost of your ATV insurance
  • Where can I compare ATV insurance?
  • what is the average cost of ATV insurance?

    Based on our collection of quotes, the average cost of ATV insurance is approximately $100.47 per month for a standard policy. this price can range from $40.75 to $237.77 per month, depending on the level of coverage desired.

    To obtain our quotes, we use the following data:

    1. driver and driving record: single, 30-year-old male, no accidents in the last five years (employee, no off-road safety course, not member of any organization ) )
    2. Location: Houston, Texas (Owner, 3211 Cochran Street, 77009)
    3. Vehicle info: 2019 yamaha kodiak 450 (purchased Jan 2019, wholly owned, new price $7600, used for pleasure, 1000 miles per year)
    4. See also: How much did health insurance cost before obamacare

      this is how the price of each insurance premium varies according to the company:

      *Discounts were added automatically at checkout. the other insurers listed did not disclose any automatically added discounts.note: not all issuers offer the same levels of coverage. for this reason, we focus on mentioning the level of coverage (basic, standard, enhanced) rather than listing specific amounts.

      how the type of coverage you select affects your costs

      Generally, the more ATV insurance coverages you select, the more reimbursement you want, and the lower your deductible, the higher your premium. the most comprehensive insurance policies with the lowest deductibles tend to be the most expensive.

      Below, you’ll see several coverage options through allstate. the basic insurance policy, which includes the lowest levels of coverage, costs $103 per month. the plan with the most coverage, the enhanced policy, costs $135 per month.

      When shopping for any type of auto insurance, it’s essential to strike a balance between affordability and adequate coverage. The monthly cost is important, but remember: if you have an accident, the amount of coverage will determine how much you spend out of pocket, so this is also an important factor.

      In addition to coverage, several other factors can affect your ATV auto insurance rates.

      other factors affecting ATV insurance costs?

      See also: How to find policy number on health insurance card

      As you can see above, the type and amount of coverage you choose can significantly affect your insurance premiums. In addition, some factors influence the cost, including elements such as:

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