dirt roads, clean coverage.
Colorado's OHV trails are world-class — and your homeowners policy almost certainly excludes what happens on them. ATV/UTV policies are cheap, and they cover the machine, your passengers and your liability.
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atv & utv insurance, done right.
collision & comprehensive
Rollovers, theft from the trailer, fire — covered for machines often worth more than people expect.
passenger liability
Side-by-sides carry friends; your liability should account for that.
accessories
Winches, plows, light bars, upgraded tires — schedule them so they're not a write-off.
good to know, colorado edition.
Riding on public OHV trails in Colorado often requires liability coverage — and resort/dune trips out of state can too. One quick policy makes the whole map legal.
price it for me →
asked constantly.
Is ATV insurance required?
On your own land, no. On Colorado public trails and OHV areas, liability requirements commonly apply — and they're a good idea regardless.
Does homeowners cover my ATV?
Generally only while it's parked on your property — and even then, narrowly. Off premises, you're bare without an ATV policy.
Snow plowing with my UTV?
Tell us — using the machine for work (even informal plowing) changes the right coverage.
two minutes to real numbers.
Free atv & utv insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.