ATV Insurance / UTV Insurance - A side-by-side UTV driving on a dirt road

ATV / UTV Insurance

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ATV / UTV Insurance Quotes

At Mutual Point Insurance, we comparison shop ATV & UTV insurance in order to find a company that offers outstanding rates and great coverage. Most independent guides will tell you the best way to find great insurance is to get quotes from many different insurance companies. That can be a time consuming and energy draining process. That’s why we do it for you! Contact us or request quotes to get started now.

ATV Insurance Coverage


Covers bodily injury and property damage you cause in an accident.


Covers physical damage your vehicle sustains in a collision with another vehicle or object.


Covers physical damage your vehicle sustains in an accident other than a collision.


Covers bodily injury you sustain in an accident with someone that has too little or no insurance.

Medical Payments

Covers medical expenses you or passengers sustain, without regard to fault.

Custom Parts

Covers the cost of aftermarket parts or equipment you’ve added to your ATV/UTV.

How Insurance Works

ATV / UTV Insurance - 4 ATVs parked on a sand dune

Basics of ATV / UTV Insurance

Insurance is a contract between you and the insurance company. You pay them an agreed amount, known as the premium, and they agree to pay for certain losses you experience or damages you cause.

ATV & UTV insurance, for example, will transfer the cost of bodily injury or property damage you cause with your vehicle to the company (up to the specified limits of coverage). This helps protect you from the high costs that can accrue following an accident.

There are many coverage options available. We can help explain your options and craft a policy customized to your specifications.

Vehicles We Cover



Golf carts



Four wheelers



And more

ATV / UTV Insurance Questions

Is ATV / UTV insurance required in Arizona?

If you’ve registered your vehicle for highway use, you are required to carry liability insurance.

Does ATV insurance cover theft?

Maybe. Theft of your ATV or UTV is covered by comprehensive coverage, which is optional. To be sure, you’d need to check your policy to see if you’ve opted for comprehensive.

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