ATV/UTV insurance

ATV/UTV insurance

What is covered by UTV and ATV insurance?

The injuries or damages you are responsible for, as well as repairs to your vehicle, may be covered by ATV insurance or UTV insurance. To provide you the greatest level of peace of mind while riding, Progressive is among the best ATV insurance providers, providing more than just fundamental liability protection and comprehensive/collision coverage.

SPECIAL COVERAGES

Accessories and unique components

Progressive automatically covers your riding gear and any modifications you’ve made to your vehicle for a total of $3,000 as part of your ATV insurance policy. More than $3,000 is needed? For most makes and models, you may tack on extra coverage worth up to $30,000.

Example: Your four-wheeler has a bespoke seat that is damaged in an accident that is covered by insurance. You will receive the seat’s worth from Progressive.

Coverage for total losses for new ATVs

We reimburse you the full MSRP if your ATV or UTV is totaled if it is no older than one model-year-old on a new policy or two model years old on a renewal policy with physical damage coverage. A deductible is necessary.

Example: You recently spent $10,000 on a new ATV, but its current value is only $5,000. If the most recent model costs more than $10,000 and it is totaled in a covered accident, Progressive will compensate you for that amount.

Carried goods

Your ATV or UTV serves as your workhorse since you utilize it for plough work and hunting. Your camping supplies, hunting supplies, and any other personal property that might fall out of your car are all covered by carried contents coverage.

Example: A covered ATV accident destroys your brand-new tent. For its replacement, we’ll pay.