Does Allstate cover ATVs/UTVs? | ATV Insurance Easy Guide

How much does ATV insurance cost? How to compare ATV/UTV insurance quotes? Do homeowners or auto insurance cover my ATV?

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Does Allstate cover ATVs/UTVs? | ATV Insurance Easy Guide
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If you're an Allstate customer and you're wondering if your policy covers ATVs or UTVs, you're in the right place. In this article, we'll give you all the information you need to know about whether or not Allstate covers these types of vehicles.

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What is an ATV/UTV?

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An ATV, or all-terrain vehicle, is a vehicle designed for off-road use. ATVs are typically ridden on rough terrains, such as dirt, sand, mud, and snow.

A UTV, or utility task vehicle, is a type of all-terrain vehicle that is larger than an ATV and typically has four seats. UTVs are often used for work or recreation purposes, such as hauling materials or carrying passengers. Allstate does not cover ATVs/UTVs.

What does Allstate's policy cover?

Allstate offers a variety of insurance policies, including coverage for ATVs and UTVs.

Additionally, ATV insurance helps cover costs caused by specific types of hazards, including:

  • Collision
  • Fire
  • Theft
  • Vandalism
  • Hail
  • Falling objects

And ATVs aren’t the only off-road vehicle Allstate covers. These other types include utility vehicles (UTVs), golf carts, dune buggies, trail bikes, go-karts, Segways, and more.

What does ATV insurance cover?

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ATV insurance typically includes liability, comprehensive, and collision coverage. Depending on where you live, liability may be required. Regardless, carrying ATV insurance is a wise idea because it can provide financial protection in the event of an accident.

Here are the coverages you may find on an Allstate ATV insurance policy:

  • Bodily injury liability
    If you're at fault in an accident and the other person is injured, this helps pay for their medical bills.
  • Property damage liability
    Covers costs related to repairs if you damage someone else's property.
  • Collision coverage
    Helps repair or replace your vehicle if you collide with another vehicle or an object such as a tree or fence. It applies regardless of fault.
  • Comprehensive coverage
    Covers damage to your ATV resulting from non-collision accidents, such as theft, vandalism, hail damage, or damage from fallen trees.
  • Optional or added equipment coverage
    It Covers aftermarket parts you've added to your ATV, including lighting, windshields and fairings, racks, and more.

Deductibles and limits

A deductible is what you pay out of pocket before coverage kicks in. Higher deductibles typically mean lower premiums, but you'd pay more out of pocket when filing a claim.

When purchasing ATV insurance, it's important to consider your coverage limits and deductibles. A coverage limit is a maximum amount Allstate will reimburse you for a covered loss. You can set your coverage limits when you buy an ATV policy.

Does my policy cover passengers?

If you have homeowner's or renter's insurance coverage, it is likely that people riding in a motorcycle, car, or bike are covered. But since this varies from state to state, contact your Allstate agent for more information.

Much like auto insurance, ATV insurance typically doesn’t cover maintenance. Things like oil changes, engine maintenance, and mechanical failure are considered to be the owner’s responsibility.

Can I save money if I cancel my policy while my bike's being stored for the season?

Even if you store your bike, it's still a good idea to maintain coverage. Your policy includes seasonal pricing spread over a 12-month-policy period that accounts for a reduced amount of time riders typically spend on the road in cold climates while providing year-round coverage that can be used on those pleasantly surprising warm winter days or maintain coverage for unexpected damage to your bike while in storage such as a roof collapse from a storm or a fire.

How much does ATV insurance cost?

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There are many factors that influence the price of your ATV insurance coverage. One is whether you will have a deductible on the types of coverage you choose.

How to compare ATV/UTV insurance quotes?

When you compare ATV/UTV insurance quotes from multiple companies, remember to choose the same coverages, limits, and deductibles for each quote to ensure you get an accurate comparison.

Choose your coverage

Review the policy's coverage types and consider any optional coverage you want to add.

Consider your limits

Think about your personal finances when choosing a limit, which is the maximum amount your insurer will pay for a covered claim.

Select your deductibles

A deductible is an amount you pay for a covered claim, with your insurer covering the rest. Be sure to choose the same deductible on each coverage when you compare ATV/UTV insurance quotes.

What is ATV liability insurance?

ATV liability insurance helps cover you for accidents you're responsible for. It includes two types of protection:

  • Bodily injury covers another person's medical bills if you cause their injury.
  • Property damage covers any damage you cause to someone else's property, such as their vehicle, building, or fence.

Do homeowners or auto insurance cover my ATV?

Auto insurance policies typically do not cover ATVs. Homeowner's insurance may offer some limited liability protection in the event of repairs or injuries, but this is often very minimal.

Does ATV insurance cover blown engines?

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Maintenance on ATVs is often not covered by the insurance offered by the ATV company. Owners are responsible for all maintenance and repairs, anything from changing the oil to fixing any mechanical failures.

How to save money on ATV insurance?

ATV insurance premiums depend on several factors, like coverage limits and deductibles, which you can choose. To help reduce the price of ATV insurance, Allstate offers discounts on certain ATV insurance. You can learn more by calling an Allstate representative.

Allstate ATV discounts include:

  • Multi-policy discount
    Insure your vehicle, house, or condo with Allstate and you could qualify for this discount.
  • FullPay
    Save when you pay your premium in one lump sum.
  • Easy Pay Plan
    Save when you set up automatic payments.
  • Homeownership discount
    Own a home? It could earn you this discount.
  • Safety course discount
    Taking an approved safety course is never a bad idea when it comes to off-roading. It could also benefit your wallet.