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A 2026 cost guide to ATV and UTV insurance: what it costs, whether Pennsylvania requires it, whether home insurance covers ATVs, what a policy covers, and how to lower the premium. Dragon compares Foremost and Progressive across PA, TX, VA, MD, OH, TN, and KY.
Get an ATV insurance quote. One call compares the carriers we write side by side.
ATV insurance usually costs less than riders expect, and the price starts with one choice: liability only, or liability plus coverage for the machine itself. As an independent agency, Dragon Insurance compares Progressive and Foremost for ATV, quad, UTV, and side-by-side owners, so you see real prices on the same limits instead of a guess.
Quick Answer
How much is ATV insurance? Progressive advertises basic ATV liability starting as low as $75 per yearfor one ATV (Progressive's Can-Am partner page, checked October 2026), before state fees and taxes and not available in every state. Spread over 12 months, that 2026 starting price from Progressive works out to about $6.25 a month. It is a starting price for liability only, not an average: adding comprehensive and collision for theft, crash, and rollover damage raises the premium, and a higher-value UTV or side-by-side typically costs more to insure than a basic quad. Neither Progressive nor Foremost publishes an average full-coverage ATV rate, so your real number comes from a quote. Dragon compares Progressive and Foremost side by side on the same limits, so you see both prices in one call.
Key Takeaways
Here is every ATV and UTV price point Progressive publishes, checked October 2026, and what each one actually measures. Only one is a premium, and it is a starting price, not an average. Foremost does not publish ATV prices at all, so a side-by-side quote is the only way to see both carriers' numbers for your machine.
| Item | Published Figure | What It Measures |
|---|---|---|
| Basic liability (Progressive) | As low as $75 per year | Starting premium for liability on one ATV, excluding state fees and taxes; not available in Massachusetts |
| Accessories and custom parts (Progressive) | $3,000 included | Coverage limit for upgrades you have added, included automatically with Progressive ATV insurance |
| Extra accessory coverage (Progressive) | Up to $30,000 more | Additional accessory coverage you can buy for most makes and models |
| Total loss on a newer model (Progressive) | Pays MSRP | Optional coverage for an ATV or UTV no more than one model year old on a new policy; deductible applies |
| Full coverage (Progressive and Foremost) | Not published | Priced by quote on your machine, your riding record, and your ZIP code |
Sources: Progressive's ATV and UTV insurance page and its Can-Am partner page, both checked October 2026. Starting prices are not averages; your premium is set by underwriting.
Progressive writes ATVs, UTVs, quads, and side-by-sides on the same ATV and UTV policy, so Progressive's $75 starting price (checked October 2026) applies to basic liability on one ATV and the rest is priced on your machine. A side-by-side usually costs more to insure than a quad because comprehensive and collision are priced on what the machine is worth, and a UTV typically carries a higher price tag and more passengers.
Progressive's ATV cost guide (updated October 2023) names four main drivers. Knowing them tells you where a quote can move:
In Pennsylvania, yes, once you ride on land you do not own or lease. Progressive notes that not all states mandate insurance on an ATV or UTV, but places where you ride might. Pennsylvania is one that does. DCNR splits ATV registration into two tiers:
DCNR sets no minimum coverage amount, so you choose the limits. If a serious trail injury could exceed your ATV liability limit, an umbrella insurance quote shows what extra protection costs. Even at the limited tier, four situations make coverage a practical must:
You financed the ATV
Lenders typically require comprehensive and collision until the loan is paid off, just like a car loan.
You ride club or private trails
Trail networks and private landowners often ask for proof of liability insurance before granting access.
You could injure someone
Without liability coverage, an injury you cause to another rider or bystander comes straight out of your own pocket.
Your machine could be stolen
ATVs and UTVs are a common theft target, especially off trailers. Comprehensive pays to replace a stolen machine.
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Tell us your machine, its value, your riding record, and your ZIP code once. We quote Progressive and Foremost with identical limits so you see the better rate.
No, not while you are riding it. This is the most common coverage gap we find when riders call in after an incident. Here is what home and auto policies do and do not cover for ATVs:
If you are already comparing a home insurance quote, ask us to price the ATV on the same call. Bundling with the same carrier can earn a multi-policy discount where one is offered.
A complete ATV or UTV policy is built from several coverage parts. Buy liability alone on an older quad, or the full package on a newer or financed side-by-side.
Riding to a deer stand this fall? Progressive's ATV page says its carried contents coverage protects camping equipment, hunting gear, and personal property against damage in a covered incident. Ask us to add it when we quote, so the gear strapped to your rack is covered along with the machine.
Riding a street bike too? Our motorcycle insurance quote runs through the same carriers, and our guide to motorcycle insurance cost shows how those rates compare. Own a sled as well? See our snowmobile insurance cost guide.
An ATV or UTV quote takes one short call when you have these in hand. We price Progressive and Foremost on the same limits while you are on the phone.
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Call 717-229-5115How much does ATV insurance cost?
Progressive advertises basic ATV liability starting as low as $75 per year for one ATV, before state fees and taxes (checked October 2026). That is a starting price, not an average. Comprehensive and collision cost extra, and your premium depends on the machine's make and model, your ZIP code, and your riding experience. Dragon quotes Progressive and Foremost on the same limits so you see your real price in one call.
How much is ATV insurance per month?
About $6.25 a month at the low end, if you spread Progressive's advertised $75 per year starting price for basic ATV liability (checked October 2026) over 12 months. Full coverage on a newer quad or UTV costs more per month. Paying the year in one payment can also earn a paid-in-full discount with Progressive.
How much is UTV or side-by-side insurance?
It is priced on the same ATV and UTV policy as a quad, but a side-by-side typically costs more to insure because comprehensive and collision are priced on a higher machine value. Progressive does not publish a separate UTV rate (checked October 2026); its $75 per year starting price is for basic liability on one ATV. Progressive's optional total loss coverage pays MSRP on a UTV no more than one model year old on a new policy. Dragon quotes UTVs through Progressive and Foremost side by side.
Is ATV insurance required?
It depends on the state and where you ride. In Pennsylvania, DCNR requires liability insurance, and proof of it while you ride, whenever you ride on property you do not own or lease, which means trails, state forest land, and anyone else's land. The free limited registration, for riding only on your own property, has no insurance requirement. Lenders typically require comprehensive and collision on a financed ATV.
How much is ATV insurance in Pennsylvania?
Neither Progressive nor Foremost publishes a Pennsylvania ATV rate. Progressive's advertised $75 per year starting price for basic ATV liability (checked October 2026) excludes only Massachusetts, and your PA premium depends on your machine, ZIP code, and riding record. PA general registration costs $20 for two years, per PA.gov's DCNR page (checked October 2026), and requires liability insurance once you ride off land you own or lease. Dragon quotes PA riders through Progressive and Foremost in one call.
How much ATV insurance do I need?
Pennsylvania sets no minimum liability amount for ATVs, so pick limits that protect your savings and home if you injure someone on the trail. Add comprehensive and collision if the machine is financed or would be costly to replace, and raise your accessory limit if you have added upgrades. We quote two or three limit options so you can see the price difference before you choose.
Does home insurance cover an ATV?
A homeowners policy may cover a stolen ATV stored in your garage up to a personal property sublimit. It does not cover liability, collision, or comprehensive damage while you are riding, even on your own property, and auto policies generally exclude off-road vehicles. You need a dedicated ATV policy for coverage while riding.
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Licensed agents at our Camp Hill, PA office, licensed in PA, TX, VA, MD, OH, TN, and KY. When you have a claim, we help you contact the carrier and answer adjuster requests. English, Nepali, and Hindi spoken.
ATV coverage starts small, but the right mix of liability, comprehensive, and collision depends on your machine, how you ride, and whether you have a loan on it. Dragon compares Progressive and Foremost in one conversation so you get the right protection at the better of two prices.
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$3,000 included accessory coverage, up to $30,000 more, carried contents for hunting gear, and MSRP total loss on newer models.
Basic liability as low as $75 per year for one ATV, excluding state fees and taxes; not available in MA.
Cost drivers and ATV discounts (safety course, multi-policy, paid in full, multiple ATVs). Updated October 2023.
Foremost ATV and UTV coverage options. Foremost publishes no ATV price; rates are by quote.
Limited vs general registration, $20 for two years, and the liability insurance requirement off your own property.
Sources checked October 2026.
Dragon Insurance Services LLC is a licensed independent insurance agency. Price figures in this article are the carrier and state figures named in the text, checked October 2026; they are published starting prices and coverage limits, not quotes. ATV registration and insurance rules vary by state; verify current requirements with your state agency. Actual premiums vary by machine, rider, coverage, and state, and are subject to underwriting approval. Contact us for a personalized quote.
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About the Author
Bimal GurungCEO, Agency Principal & Licensed Insurance Agent
Bimal Gurung is CEO and Agency Principal of Dragon Insurance Services, an independent agency in Camp Hill, PA that compares 30+ carriers for clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
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