How Much Does ATV Insurance Cost?
So, you’re ready to hit the trails on your ATV, but one question is still lingering: “How much is this going to cost me in insurance?” It’s a question every rider asks, and the answer isn’t always straightforward. At Boundless Rider, we analyzed hundreds of real-world quotes to give you a clear picture of what goes into your ATV insurance premium.
The short answer? The average premium for a basic ATV insurance package is around $181, while a more advanced package averages about $1,009 annually.
But that’s just the average. Your specific rate could be higher or lower based on a unique combination of factors. Let’s break down what really drives the cost of your off-road vehicle insurance.
Meet the “Average” ATV Rider*
Based on our data, a clear profile of the typical ATV owner emerges. See if this sounds like you:
- Age & Experience: The average rider is 38 years old and has over five years of driving experience.
- Location: A large number of riders are based in Texas, followed by Pennsylvania, Arizona, and Ohio.
- Ride of Choice: Polaris and Can-Am are the most popular makes, with engine sizes often falling between 500cc and 1000cc.
- Ownership Style: Most riders finance their ATVs and keep them safely stored in a garage.
While this gives you a baseline, your individual details are what will ultimately shape your insurance premium.
Key Factors That Influence Your ATV Insurance Cost
- Your ATV’s Engine Size (CC)
One of the most significant factors is your ATV’s engine size. A bigger engine often means more power and higher risk, which translates to a higher insurance premium. Our data shows a clear trend: as the engine CC size increases, so does the cost of both basic and advanced insurance packages.
- The Make and Model of Your Ride
Are you team Polaris, Can-Am, or Yamaha? The brand of your ATV matters. Some models may have higher theft rates or repair costs, influencing the premium. For instance, high-performance sport ATVs may cost more to insure than a standard utility model.
- Your Location
Where you ride and store your ATV plays a big role. States with more off-roading opportunities and higher vehicle theft rates, like Texas and Arizona, have a large number of insured riders. Our analysis showed that Texas riders often enjoy slightly lower-than-average premiums compared to those in other high-traffic states.
- Your Age and Driving Experience
Just like with auto insurance, your age and experience level are crucial. Riders with a long, clean driving history are seen as lower risk and typically pay less. Our data shows the vast majority of ATV owners have more than five years of experience behind the handlebars.
- How You Store Your ATV
Keeping your ATV in a locked garage is one of the smartest things you can do—not just for security, but for your wallet too. An overwhelming majority of riders we analyzed garage their vehicles, which helps lower their premiums by reducing the risk of theft and weather-related damage.
Choosing Your Coverage: Basic vs. Advanced Packages
The biggest factor in your annual cost will be the level of coverage you choose.
- Basic Package (~$181/year): This is your entry-level option, often covering liability in case you cause injury or property damage to someone else. It’s the most affordable way to get legal on the trails.
- Advanced Package (~$1,009/year): This is where you get comprehensive protection. Advanced packages often include collision coverage (for damage to your own ATV), protection against theft, and other endorsements. The price for this coverage is highly variable because it’s tailored to the value of your ATV and the specific options you select.
The Bottom Line
Understanding your ATV insurance cost doesn’t have to be complicated. It boils down to a mix of your personal profile, your driving experience, and the specifics of your vehicle. While the average premium gives you a starting point, the best way to know what you’ll really pay is to get a personalized quote.
*Source: All data is based on an internal analysis of motorcycle insurance premiums issued by Boundless Rider Insurance. Rates are illustrative and individual premiums may vary based on location, driving record, age, and other factors. Last updated August 2025.
Written by Matt Yar (August 2025)