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ATV Insurance in Texas

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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.

ATV Insurance Texas

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:

Possible Coverages Available

  • Comprehensive Coverage: This might cover damage to the ATV that’s from non-accident related incidents, such as fire, vandalism, theft or falling objects.
  • Collision Coverage: This might cover damage to the ATV that’s from a collision with at least one other off-road vehicle or a road vehicle.
  • Bodily Injury Liability Coverage: This might cover injuries to others who aren’t on the insured ATV.
  • Property Damage Liability Coverage: This might cover damage to other people’s property or vehicles.
  • Personal Injury Protection (PIP): This might cover injuries to the ATV operator and passengers when the vehicle is in use.
  • Accessory Coverage: This might cover damage to or loss of accessories, like trailers, helmets, and aftermarket upgrades.
  • Underinsured and Uninsured Motorist Coverage: This might cover accidents with other ATVs, where the other operator doesn’t carry enough insurance.
Comprehensive Coverage
Collision Coverage
Bodily Injury
Personal Injury Protection
Accessory Coverage
Underinsured and Uninsured Motorist Coverage

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

ATV Insurance Texas

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.

How can Texas residents get ATV insurance?

For assistance with insuring an ATV in Texas, contact the independent insurance agents at McKnight Insurance. Our experienced agents can help you compare ATV insurance policies from different insurance companies, so you can choose the policy that best meets your needs.

McKnight Insurance Services Independent Agency in Mansfield Texas

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