ATV/UTV Insurance

While ATV/UTV insurance is not legally required in many areas, it is highly recommended to protect your investment and ensure you’re covered in the event of an accident or incident. ATV insurance from UCCU Insurance Services can provide crucial coverage, including:

• Collision and comprehensive coverage for physical damage to your ATV
• Liability protection if you cause injury or property damage to others
• Uninsured/underinsured rider coverage
• Medical payments for injuries sustained while operating your ATV Even if you only use your ATV occasionally, insurance can help safeguard your finances and provide peace of mind. Our local agents can help you determine the appropriate level of coverage for your specific ATV and riding habits.

The cost of ATV insurance can vary widely, typically ranging from $200 to $800 or more per year. Factors that can impact your ATV insurance premium include:

• The make, model, and value of your ATV
• Your driving record and experience operating off-road vehicles
• The coverage limits and deductibles you choose
• Where and how often you use your ATV (on-trail vs. off-trail)
• Any safety features or modifications on your ATV At UCCU Insurance Services, we work with multiple insurance providers to find you the most affordable ATV insurance that still offers the comprehensive protection you need. Get a personalized quote to understand the specific cost for your situation.

UTV (utility terrain vehicle) insurance, also known as side-by-side insurance, is similar to ATV insurance, but it’s tailored to the unique features and usage of these larger, side-by-side off-road vehicles. UTV insurance from UCCU Insurance Services can include coverage for:

• Collision and comprehensive damage to your UTV
• Liability protection for injuries or property damage caused to others
• Medical payments for injuries sustained while operating your UTV
• Accessory coverage for items like winches, stereo systems, and other customizations
• Trailer coverage to protect the trailer used to transport your UTV The key difference is that UTV insurance often has higher coverage limits to account for the larger size and greater passenger capacity of these vehicles. Our agents can help you determine the appropriate insurance solution for your specific UTV and usage.

We understand the importance of finding affordable powersports insurance without sacrificing coverage. To get the best ATV or UTV insurance rates:

1. Compare quotes from multiple insurers (we do this for you)
2. Choose a higher deductible to lower your premium
3. Look for discounts for safety features, claims-free history, or membership in off-road clubs
4. Bundle your ATV or UTV insurance with other policies for potential multi-policy savings
5. Work with local insurance agents who understand Utah’s off-road terrain and regulations Our dedicated powersports insurance experts at UCCU Insurance Services can help you navigate these options to find the most cost-effective coverage that still provides robust protection for your ATV, UTV, or other off-road vehicle.