A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Certain off-road vehicles need car insurance coverage. If the vehicle you call an off-road vehicle is in fact a truck or sport utility vehicle, it will need to have regular coverage. However, there are off-road vehicles that are not covered by car insurance. They include all-terrain vehicles (ATV), snowmobiles, dune buggies, utility vehicles (UTV), golf carts, trail bikes, and go-carts.

Find out about prices for car insurance on all your vehicles by plugging your ZIP in the FREE quote toolbox you see on this page!

An off-road vehicle or (OHV) off-highway vehicle is typically a recreational vehicle that is used infrequently and not on public roadways. In fact, if you were to use most off-road vehicles on a public road, you would find yourself facing a fine if caught. For this reason, they do not need the same amount of insurance that a regular vehicle needs. Just don’t be caught in the plight some individuals find themselves in – uninsured.

Different Coverage for Off-Road Coverage

Unfortunately, your homeowner’s insurance and your car insurance do not cover your off-road vehicles completely. In fact, they offer very little protection. Luckily, such coverage is very affordable. In addition, there are many different types of coverage available to you.

You will need to carry liability coverage for your off-road vehicles, including bodily injury liability and property damage liability, just as you would for a car.

This protects you from financial loss in case another person is hurt or suffers a loss caused by your use of your off-road vehicle.

Collision and comprehensive coverage are also important to carry for your own peace of mind. These cover the cost to repair or replace your vehicle if it is damaged by something that is out of your control. While a good investment, these are not necessary forms of coverage, but can be quite important. In fact, comprehensive will even give you the coverage you need when your vehicle is not being used.

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Discounts of Off-Road Vehicle Insurance

When you are looking for insurance of any kind, you will always find discounts for anyone who chooses to put multiple lines of insurance together with the same company. The same applies for off-road vehicles. If you purchase your off-road vehicle coverage through the same company that has your auto insurance or home insurance, you will usually save money when compared with other companies.

If you take a safety course for the use of your off-road vehicle, many insurers will offer you a discount. Anytime that you can prove that your knowledge of safe vehicle usage has increased, it is better for your insurance premiums.

Other discounts may be obtained for being an experienced driver, being claims-free and other things that typically get you discounts on other types of coverage. Before buying a policy, ask the agent if you have all the discounts you can get.

Important Steps When Choosing Off-Road Vehicle Insurance

To find the best coverage for your off-road vehicle insurance, take a moment to contact your present insurer to find out how much they will charge you for this type of coverage. In addition, you should get a variety of quotes from different insurers offering this coverage. By doing so, you can compare and contrast the prices, the plans and more.

When you have gotten some quotes and narrowed them down, based on your evaluation of the coverage and the cost, you will need to look closely at the company. Check with one of the independent insurance rating companies like Weiss Ratings or A.M. Best in order to find out how the company is faring in terms of financial strength. This will tell you if the company can be relied on to be in business for the foreseeable future.

You can also learn about the reputation of an insurance company from their own policyholders, by checking out the annual reports compiled by J.D. Power and Associates. This organization collects data on a variety of factors about the different insurers to help determine which are operating to the highest level of customer satisfaction.

If you are the user of an off-road vehicle, take the time to learn all the safety features of it and the safety precautions that you should take yourself.

Wear protective gear and use prudence when determining when to use the vehicle. Share your destination with another person. Never drink and use even an off-road vehicle.

Get your off-road car insurance quotes now by inputting your ZIP code in the FREE tool to begin the shopping around process!