How Much Does UTV Insurance Cost?
So, you’re ready to hit the trails in your UTV, but one big question is holding you back: how much is this going to cost to insure? You’re not alone. Understanding the cost of UTV insurance is a crucial step for any side-by-side owner.
At Boundless Rider, we analyzed thousands of real insurance quotes to give you a definitive answer. Forget guesswork; this guide uses hard data to break down the real costs and show you what factors have the biggest impact on your premium.
The Average Cost of UTV Insurance*
Let’s get straight to the point. Based on our comprehensive data analysis, the average premiums for UTV insurance are:
- Average Basic Package Premium: $413.00
- Average Advanced Package Premium: $1,587.10
The basic package covers your essential needs, while the advanced package offers more comprehensive protection.
4 Key Factors That Influence Your UTV Insurance Rate
Why is there such a wide range in costs? Several key factors determine your final premium. Here’s what our data revealed.
1. Your Location Matters—A Lot
Where you live and ride has a significant impact on your insurance rate. States with more off-road enthusiasts and different regulations see different costs. Our data showed that among the top five states for UTV owners, there’s a noticeable variation in price. For instance, riders in Arizona often face higher premiums compared to those in Pennsylvania, reflecting different risk levels and state laws.
2. The UTV You Ride
It’s no surprise that the vehicle you own is a major factor. High-performance, expensive models from top brands like Polaris and Can-Am typically cost more to insure. Their speed, power, and replacement cost present a higher risk, leading to higher premiums. Insuring a brand new Polaris RZR will naturally cost more than covering an older, less powerful utility model.
3. Your Driving Experience
Experience pays off! Our analysis shows a clear trend: riders with more years of driving experience generally receive lower insurance rates. Insurers see a long, clean driving history as a sign of a responsible rider, which translates directly into savings for you. New riders might see higher initial quotes, but those costs tend to decrease as they gain more experience.
4. Where You Park It (Garaged vs. Outdoors)
Here’s an easy way to save: keep your UTV in a garage. Our data shows that owners who garage their side-by-sides enjoy noticeably lower insurance premiums. A garaged vehicle is better protected from theft, vandalism, and weather damage, reducing the risk for the insurance company and lowering your cost.
Ready to Ride with the Right Coverage?
Understanding these factors is the first step toward finding the perfect policy. The key takeaway is that your UTV insurance cost is unique to you. The best way to know what you’ll 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)