Whether you use your all-terrain vehicle on a weekly basis or twice a year, personal ATV insurance will protect you in case of an accident or other occurrences and could save you thousands in liabilities and damages. 

If you’re operating an ATV off your property, you’re likely not covered. While California doesn’t legally require insurance for this type of vehicle, there are many reasons you should have it: 

Coverage in Different Events 

ATVs are a notoriously dangerous mode of transportation— in case of an accident, you’ll need personal ATV insurance to help cover costs. If you cause an accident that involves another person, liability coverage will help you pay for their property and injuries. 

Collision coverage will pay for the damages if you hit another vehicle or object. You also have the option for comprehensive coverage, which will cover any losses from something other than a collision— rain, fire, etc. You can also purchase add-ons, including uninsured motorist coverage, which will help cover costs if another rider is at fault and unable to pay for your expenses. 

Cost vs Savings 

The average cost of personal ATV insurance is about $100 per month for a standard policy, but depending on the type of coverage and add-ons, your rates can differ. In the case of an incident, however, vehicular damages and liability costs can add up to tens of thousands of dollars— you’ll want to be covered. 

South Bay Insurance Services Personal to Your Needs 

NHC Insurance Services offers personalized insurance services specific to your budget and needs. We work with numerous highly-rated carriers like Progressive, Liberty Mutual, and Safeco— this gives us access to a variety of policy options, allowing us to choose the best coverage available for you. 

Request a quote to see how our South Bay insurance services can help save you money now and in the future.