ATV & Off-Road Vehicle

Your local independent agents are ready to help you find the coverage that suits you best.

Whatever you ride, make sure you have the right insurance before you gear-up. Whether you’re cruising dirt trails or carving new paths in fresh snow, the last thing you want to worry about is insurance coverage. Auto-Owners ATV & Off-Road Vehicle Protection offers quality protection for you and your vehicle.

Your independent agent will help you choose the right options, so you can be certain that you’re protected. At Auto-Owners, we offer competitive rates and coverages that can be tailored to your specific needs. Find your local independent agent representing Auto-Owners today!



Covers the cost of repairing or replacing your ATV/off-road vehicle if you’re involved in an accident.


Pays for damages to your ATV/off-road vehicle caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.

Bodily Injury Liability and Property Damage Liability

Payment for damages for which you are responsible, such as injury or property damage to others, and legal defense if you are sued.

Uninsured/Underinsured Motorist

This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.

Medical Payments

This coverage will pay medical expenses to any person that sustains an accidental injury while riding your ATV/off-road vehicle. This coverage does not apply to off-road dirt bikes or similar two-wheel vehicles.

Safety Riding Apparel

Included in your collision and comprehensive insurance is also coverage for helmets, gloves, boots and any clothing designed to minimize injury in the event of an accident.

Total Loss of a New ATV/Off-Road Vehicle

If you purchase a new ATV/off-road vehicle and it’s deemed a total loss within the first 90 days, we will replace it with a new one of equal value or pay you the original purchase price.

Ways to Save

Shopping for insurance also means shopping for discounts. Auto-Owners offers many discounts to ensure you’re protected at an affordable cost.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.


Assuming some of the risk yourself by choosing a higher deductible, may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent