ATV Insurance in Texas

What is ATV insurance?

For those who enjoy outdoor adventures in Texas, all-terrain vehicles offer exhilarating rides and access to where the roads don’t go. The fun that these vehicles present also come with some risks, though, and it’s important to take precautions against those risks. In addition to wearing safety gear and obeying the rules of the trail, getting ATV insurance can be another important precaution.

ATV insurance is tailored to the specific risks that come with using ATVs and similar vehicles. Policies can often provide coverage for the ATV itself, the operator and any passengers.

Who in Texas might need four wheeler insurance?

While Texas state law generally doesn’t require four wheeler insurance, it’s something that almost all ATV owners should consider. Not insuring can lead to major liability risks if something happens. 

Of course, insuring the vehicle itself against damage or loss isn’t a bad idea either. When an ATV purchase is financed, the terms of the loan often dictate that certain coverages for the vehicle be maintained. Owners may want to protect their investment in the vehicle with insurance regardless of any loan requirement, however.

What coverage options are available through four wheeler policies?

Four wheeler policies typically offer a broad range of coverages, many of which are somewhat similar to the coverages found in auto insurance policies. Some examples of coverages include:

Each of these coverages, while resembling auto insurance, is specifically designed for ATVs.

Can homeowners insurance substitute for four wheeler insurance?

Some homeowners insurance policies may provide a degree of four wheeler or ATV coverage, potentially extending protection against liability lawsuits and/or ATV damage. Before relying solely on a homeowners policy, however, owners should review their homeowners policy with an insurance agent experienced in ATV coverage. 

Not all homeowners policies offer ATV coverage, and those that do might only offer limited protection. Whether protection is given sometimes also depends on the size and power of the ATV.

A knowledgeable insurance agent can check a homeowners coverage against an ATV’s specifics. They can then recommend whether an ATV policy is needed.

How much are premiums for four wheeler insurance?

The premiums charged for four wheeler insurance policies vary. They’re based on details such as the ATV’s size and power, ATV’s primary location, any safety features, and the owner’s past claims history. There are still many more details that insurance companies consider.

To find out how much insuring a specific ATV will cost, owners can compare custom quotes with an independent insurance agent.