ATV in the desert

    Get a quote online for ATV insurance or UTV insurance

    Whether you’re a full-time rancher or part-time adventure seeker, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), quad, or side-by-side are protected. With Progressive ATV insurance and UTV insurance, you can quote and customize your policy online to cover different types of risks to your off-road vehicle.

    Ways to save

    ATV insurance discounts

    Check out a few of Progressive’s discounts aimed at lowering the cost of your ATV insurance policy.*

    Safety course

    If you’ve completed an approved ATV, motorcycle, or snowmobile safety course within the past three years, you’ll receive a discount on your ATV insurance plan.


    See more on bundling insurance

    Pay in full

    Pay your ATV insurance policy in full, up front, and we’ll add another discount.

    Responsible driver

    Safe drivers deserve to be rewarded, and you’ll get a discount if you’ve had no accidents or motor vehicle violations in the last three years.

    Advance quote

    Get an ATV insurance quote at least one day prior to starting your policy and earn a discount on your policy just for shopping in advance.

    What does ATV Insurance/UTV insurance cover?

    ATV Insurance/UTV insurance can cover the injuries or damages you’re liable for and repairs to your vehicle. However, Progressive is one of the best ATV insurance companies, offering more than just basic liability protection and comprehensive/collision coverage—so you can ride with maximum peace of mind.

    Unique Coverages

    Accessories and custom parts

    Total loss coverage for new ATVs

    Carried contents

    Get an ATV/UTV insurance quote in a few easy steps

    Know your vehicle’s engine CC (cubic centimeter) size as well as any customizations (does the ATV or UTV have a modified frame, turbo kit, or nitrous oxide kit?) for the most accurate ATV/UTV insurance quote.

    Completing a motorcycle safety course could lower your insurance rate.

    Choose from our Basic, Choice, or Plus packages—or customize your ATV insurance quote with only the coverages you want.

    Common questions about ATV insurance

    Below are some of the most asked questions about ATV/UTV insurance.

    Is ATV insurance/UTV insurance required?

    Is your four-wheeler covered by your home insurance policy?

    How much is ATV/UTV insurance?

    Does Progressive insure all ATV, UTV, and side-by-side brands?

    More questions about ATV insurance? We have Answers.

    Wondering which coverage options are the best fit for you and your ATV? Use Progressive Answers to find all the information you need.

    Get four-wheeler insurance and stay protected on and off the trail

    Get a quoteOr, call 1-855-347-3939