Sand Hollow, Little Sahara, Hurricane Cliffs — Utah's off-road riding is world-class. Whether you ride an ATV, UTV, side-by-side, or dirt bike, you need coverage that matches the terrain.
Here's what atv & off-road insurance protects you from — and why it matters for Utah residents.
Covers damage to your ATV/UTV from rollovers, collisions, and other accidents on or off the trail.
Protects against theft (a major risk for ATVs), vandalism, fire, weather damage, and animal strikes.
Covers bodily injury and property damage you cause to others while riding. Essential for trail riding near other people.
Covers aftermarket parts — winches, light bars, bumpers, wheels, and other upgrades.
Covers your ATV/UTV trailer for damage and theft while in transit or storage.
Anyone who owns an ATV, UTV, side-by-side, or dirt bike in Utah. Even if state law doesn't require insurance for off-road-only vehicles, the liability and theft risks are significant.
Utah requires liability insurance for ATVs/UTVs used on public roads or trails. Even for off-road-only use, coverage is smart given theft rates and injury risks.
Typically $100–$500/year depending on vehicle value, type, and coverage level. UTVs and side-by-sides cost more due to higher values.
Some homeowners policies provide very limited off-road vehicle coverage, but it's usually insufficient. A dedicated ATV policy provides proper protection.
With accessory coverage, yes — aftermarket parts, custom additions, and upgrades can be covered at their actual value.
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