ATV & UTV Insurance in West Virginia & Ohio
Built for the trails. Protected for anything.
Whether you ride for work on the farm, hunt on your property, or hit the trails at Hatfield-McCoy, we will find you the right coverage at a competitive price. As an independent agency, we shop multiple carriers to protect your off-road investment.
Get a Free ATV Insurance Quote
Tell us about your ATV, UTV, or off-road vehicle and we will shop our carriers to find you the best coverage and price.
Or stop by our Point Pleasant office for a quote
Off-Road Vehicles We Insure
From utility four-wheelers to high-performance side-by-sides, we can find coverage for your off-road machines.
Sport ATVs
High-performance single-rider ATVs for trails and racing
Utility ATVs
Work-ready four-wheelers for farm, hunting, and property use
Sport UTVs
High-performance side-by-sides built for speed and agility
Utility UTVs
Multi-passenger side-by-sides for work and recreation
Dirt Bikes
Off-road motorcycles for trails and motocross
Youth ATVs
Size-appropriate ATVs for younger riders
Golf Carts
Electric and gas golf carts for courses and communities
Dune Buggies
Open-air off-road vehicles for sand and trails
What ATV Insurance Covers
A comprehensive ATV or UTV policy protects you, your passengers, and your investment on and off the trails.
Collision Coverage
Accident damage protection
Covers damage to your ATV or UTV from collisions with other vehicles, trees, rocks, or other objects while riding on trails or property.
Comprehensive Coverage
Non-collision damage
Protects against theft, vandalism, fire, flooding, falling objects, and weather damage. Essential coverage for vehicles stored outdoors or in barns.
Liability Coverage
Protection when you cause damage
Covers bodily injury and property damage you cause to others while operating your off-road vehicle. Important for riding on others property or public trails.
Medical Payments
Rider injury coverage
Pays medical expenses for you and your passengers regardless of who is at fault. Covers emergency care, hospital stays, and follow-up treatment.
Accessory Coverage
Aftermarket parts and gear
Covers custom accessories like winches, plows, light bars, upgraded tires, cargo boxes, and other aftermarket additions to your vehicle.
Uninsured Coverage
Protection from uninsured riders
Covers your injuries and vehicle damage if you are hit by an uninsured or underinsured rider while on trails or public lands.
Trailer Coverage
ATV trailer protection
Covers your ATV trailer used to transport your off-road vehicles. Protects against theft, damage, and liability while towing.
Roadside Assistance
Help when you are stuck
Covers towing, winch-outs, tire changes, and other assistance when your ATV or UTV breaks down on or off the trail.
Why You Need ATV Insurance
Your homeowners policy provides little to no coverage for ATVs and UTVs. Most policies exclude motorized vehicles used off your property, leaving you exposed if you ride on trails, public lands, or even a neighbor's farm.
A dedicated ATV policy protects your investment against theft, damage, and liability claims. With the value of modern side-by-sides exceeding $20,000 or more, proper coverage is essential for your financial protection.
Common ATV Claims
- Rollover accidents on trails
- Theft from garages and barns
- Collision with trees and rocks
- Water damage from creek crossings
- Injury liability on public trails
Protecting Riders Across the Region
Whether you ride at Hatfield-McCoy, work your farm, or explore private trails, our policies provide coverage wherever your adventures take you.
Frequently Asked Questions
How much does ATV insurance cost?
ATV insurance typically costs between $100-$500 per year for comprehensive coverage. The cost depends on the type, age, and value of your vehicle, how you use it, where you ride, and your driving record. UTVs and side-by-sides cost more due to their higher values. We shop multiple carriers to find you the best rate.
Is ATV insurance required in West Virginia?
West Virginia does not require insurance for ATVs used off-road on private property. However, if you ride on public trails, state forests, or roads where permitted, insurance is strongly recommended. If you have a loan on your ATV, your lender will require full coverage until it is paid off.
Does my homeowners insurance cover my ATV?
Most homeowners policies provide little or no coverage for ATVs. Some may cover theft while stored on your property, but they typically exclude liability and collision coverage, especially when used off your property. A dedicated ATV policy is the only way to get comprehensive protection.
Can I insure multiple ATVs on one policy?
Yes, most ATV insurance policies allow you to add multiple vehicles. You may receive a multi-vehicle discount for insuring more than one ATV or UTV. This is common for families with multiple machines or farms with a fleet of utility vehicles.
Are aftermarket accessories covered?
Standard ATV policies may have limited coverage for accessories. If you have added a winch, plow, light bar, upgraded tires, or other aftermarket parts, ask about accessory coverage to ensure your upgrades are protected. We can help you determine the right coverage amount.
What discounts are available for ATV insurance?
Common discounts include bundling with your auto, home, or other recreational vehicle policies, completing an ATV safety course, being claim-free, having multiple ATVs on one policy, and storing your vehicle in a secure location. We will help you find all available discounts.
Ready to Protect Your ATV?
Get a free quote and see how affordable ATV insurance can be. We will shop multiple carriers to find you the best coverage at the best price.
Looking for a different location?
We also serve other areas in West Virginia
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