ATV & Off-Road Insurance
Whether you're hitting the trails or working on your property, get the right protection for your four-wheeler or side-by-side. We'll build a policy that covers your ride, your gear, and your liability.
Coverage That Works for You
Total Loss Replacement
If your newer atv is totaled, allstate may help pay to replace it with a brand new one — Not just the depreciated value. Ask your agent about eligibility and model year requirements.
Custom Equipment Coverage
Protect your valuable upgrades. We cover custom parts and accessories like winches, custom wheels, and GPS units up to your specified limits.
Liability for Trail Riding
Enjoy peace of mind knowing you're covered for bodily injury and property damage if you're at fault in an accident on public or private trails.
Transport Trailer Coverage
Extend your coverage to the trailer you use to haul your atv. We'll help cover it against damage or theft, whether it's attached to your vehicle or not.
Deductible Rewards
Your deductible may shrink over time as you remain claim-free. Ask your agent about deductible reward options for your atv policy.
Uninsured/underinsured Motorist
Protects you if you're in an accident caused by another rider who doesn't have insurance or doesn't have enough to cover your injuries and damages.
Programs Only Allstate Offers
These aren't generic coverages — they're exclusive Allstate programs designed to save you money and reward safe behavior.
Disappearing Deductible
Vanishing DeductibleGet $100 off your deductible the day you sign up. For each claim-free year, earn another $100 off — Up to $500 total. After 5 years without a claim, your deductible could be $0 — Meaning you pay nothing out-of-pocket on your next covered claim.
Total Loss Replacement
Brand New, Not DepreciatedIf your new atv (less than three model years old) is totaled in a covered accident, allstate pays for a brand new replacement of the same make and model — Not just the depreciated value. This eliminates the gap between what your atv is worth and what it costs to replace.
Custom Equipment Coverage
Protect Your UpgradesAllstate includes $1,000 in coverage for aftermarket parts and accessories. If you've invested in a winch, custom wheels, GPS, light bars, or other upgrades, you can increase this to match the full value of your modifications.
Discounts You May Qualify For
The most common atv bundle is atv + auto. If you also own a home, an auto + home + atv bundle stacks discounts significantly. Riders who use their atvs on public trails should also consider adding an umbrella policy — trail accidents can result in claims that exceed standard liability limits, especially in nc's contributory negligence system.
Multi-policy Bundle
Save when you bundle atv insurance with auto, home, or renters insurance.
Multiple Vehicle Discount
Insure more than one atv or off-road vehicle on the same policy and save on each.
Safety Course Discount
Complete an approved atv safety course and qualify for a discount on your premium.
Fullpay Discount
Pay your full annual premium upfront instead of monthly installments and save on service fees.
What's Covered — and What's Not
Understanding the boundaries of your policy helps you avoid surprises when you need coverage most.
Typically Covered
Typically Not Covered
Real Consequences
What Happens Without It?
the scenario
You're riding your side-by-side on a trail near Uwharrie National Forest when you come around a blind corner and collide with another rider. Both vehicles are damaged, the other rider breaks their collarbone, and your passenger sprains their wrist.
without coverage
Your $12,000 side-by-side needs $6,000 in repairs. The other rider's medical bills are $15,000 and they're threatening to sue for pain and suffering. Your passenger's ER visit is $3,000. Your homeowners policy excludes motorized recreational vehicles used off-premises. Total exposure: $30,000+ out of pocket, plus potential legal fees.
with allstate coverage
Your Allstate ATV policy's collision coverage pays for your vehicle repairs. Liability coverage handles the other rider's medical bills and any legal claims. Medical payments coverage takes care of your passenger's ER visit. You pay one deductible and your agent handles the rest.
Real Scenarios, Real Answers
Insurance isn't one-size-fits-all. Here's how your coverage works in situations North Carolina residents actually face.
Uwharrie National Forest Mishap
You're riding the trails in uwharrie and take a turn too fast, colliding with another rider. Your liability coverage helps pay for their injuries and the damage to their atv, protecting you from a lawsuit.
Hurricane Florence Flooding
A hurricane floods your garage in high point, submerging your side-by-side. Your comprehensive coverage helps you repair or replace your ride, getting you back to work on your property.
Theft from a Hunting Lease
You leave your four-wheeler at your hunting lease near asheboro overnight, and it gets stolen. Comprehensive coverage kicks in to help you buy a new one so you don't miss the season.
Contributory Negligence on a Private Trail
You're involved in a minor accident on a friend's property. Even though the other rider was mostly at fault, nc's strict contributory negligence laws could leave you with no way to recover damages. Your own collision coverage ensures your atv gets fixed, no matter who was at fault.
What the Numbers Actually Mean
Insurance limits can feel like alphabet soup. Here's a plain-English breakdown of what you're actually buying.
This means we cover up to $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $50,000 for property damage per accident. It's the foundation of your protection on the trail.
This is the amount you pay out of pocket for non-collision claims like theft or storm damage before your insurance takes over. A higher deductible can lower your premium.
Similar to the comprehensive deductible, this is what you pay first for repairs if your atv is damaged in an accident with another object or vehicle.
This covers the aftermarket parts you've added, like a winch or custom wheels. We start with $3,000 and you can increase it based on the value of your upgrades.
You Might Need This If...
See How It Works
Uninsured/Underinsured Motorist Coverage
What happens if you're hit by someone with no insurance? This coverage helps protect you — whether you're on the road or sharing a trail with other riders.
Browse All VideosReady to Get Covered?
A 15-minute call is all it takes. We'll review your situation and build a quote that fits.
Disclaimer: The coverage descriptions on this page are general summaries intended for informational purposes only. They do not constitute insurance advice, nor do they modify, amend, or supplement any insurance policy. Actual policy terms, conditions, exclusions, and limitations vary by state and individual risk profile. Allstate products and discounts are subject to terms, conditions, and availability. Please refer to your specific policy documents for complete details, or contact us to discuss your coverage needs with a licensed agent.