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Off-road vehicles like ATVsUTVs, and dirt bikes are designed for recreation and require specialized insurance coverage. This includes:

  • Comprehensive coverage for damage from weather, fire, vandalism, etc.

  • Collision coverage for accidents and crashes

  • Liability coverage for injuries/damage to others

Having proper insurance is crucial since these vehicles are often driven on uneven terrain and exposed to the elements. This article will provide an overview of comprehensive coverage specifically and why it's important for protecting your investment in an off-road vehicle. We'll look at what comprehensive covers, how it works, and tips for getting the right coverage.

Off-road vehicle running in the countryside

Overview of comprehensive coverage

Comprehensive coverage is a key component of an off-road vehicle insurance policy. Here's an overview of what comprehensive covers and how it works:

What comprehensive coverage includes:

  • Theft - Pays if your ATV, UTV, or dirt bike is stolen

  • Vandalism - Covers damage from vandalism or malicious acts

  • Weather events - Hail, flood, wind, lightning damage

  • Fire - Covers fire damage not caused by a crash

  • Falling objects - Trees, rocks, debris that damage your vehicle

  • Animal collisions - Damage from hitting animals like deer

How comprehensive coverage works:

  • It covers direct and accidental damage from these causes

  • You choose a deductible amount (e.g. $250, $500, $1,000)

  • The insurer pays for repair or replacement beyond the deductible

Comprehensive vs collision:



Covers "other than collision" damage

Covers crash-related damage

Examples: theft, vandalism, weather

Example: Rollover, collision with object

Pay deductible and insurer covers the rest

Pay deductible and insurer covers the rest

Why it's important:

Comprehensive is crucial for off-road vehicles which are at high risk for:

  • Weather damage from exposure to the elements

  • Theft if the vehicle is left unattended on trails

  • Hitting animals, debris, trees due to uneven terrain

Without comprehensive coverage, expensive repairs could come straight out of your pocket. It provides peace of mind and protects your investment in your off-road vehicle.

When comprehensive applies:

Comprehensive claims examples:

  • A tree branch falls on your ATV during a storm and damages the roof

  • Your dirt bike is stolen from your trailer at a motel

  • A forest fire singes your UTV

  • Your ATV hits a deer on the trails and needs body work

As long as the damage wasn't from a crash with another vehicle or object, comprehensive will likely apply.

Why comprehensive coverage is important for off-road vehicles

There are several key reasons why comprehensive coverage is crucial for ATVs, UTVs, dirt bikes and other off-road vehicles:

Exposure to weather and environmental hazards

  • Off-road vehicles are often driven through mud, streams, forests

  • At high risk for damage from:

    • Floods

    • Hail storms

    • Falling tree debris

    • Forest fires

    • Flying stones

  • Comprehensive covers unexpected weather events and environmental damage

Theft risk when vehicles left unattended

  • Owners often haul vehicles far distances to trails

  • Vehicles left unattended when parked or stopping to camp

  • Trailers used to transport vehicles can be targets for theft

  • Comprehensive covers theft of the entire vehicle or stolen parts

Rough and uneven terrain leads to collisions

  • Trails full of bumps, ruts, obstacles

  • Higher risk of collisions with:

    • Trees, boulders, ledges

    • Wildlife like deer

    • Other vehicles if crowded trails

  • Comprehensive pays for animal collision damage and falling object damage

Expensive vehicles worth protecting

  • New ATVs or UTVs can cost $10,000 to $20,000

  • Even used vehicles are a major investment for owners

  • Repair bills for body damage, blown engines can be steep

  • Comprehensive helps pay for repairs and replacement cost

Peace of mind while riding

  • With comprehensive, owners don't have to stress as much about risks

  • Coverage provides a safety net for the unpredictabilities of off-roading -Allows enjoying the trail riding hobby without constant worry

In summary, comprehensive is a valuable protection for off-road vehicle owners facing heightened risk factors. It provides significant financial safeguards not offered by other coverages.

When comprehensive coverage applies

Knowing when you can file a comprehensive claim is key to getting the most from your off-road vehicle insurance. Here are some examples of when comprehensive coverage would apply:

Weather events

Your ATV gets caught in a hail storm while on a trail ride. The hail leaves numerous dents across the body panels. You can file a comprehensive claim to pay for the repair costs beyond your deductible.

Falling debris

While riding your dirt bike through wooded trails, a tree branch breaks off and lands on your bike, cracking the plastic fender. Comprehensive will cover the damage minus your deductible.


Your UTV is parked in your garage when a fire starts and destroys part of your home, including melting panels on your UTV. Your comprehensive policy will pay for the fire-related damages.


After leaving your snowmobile in a hotel parking lot overnight during a ski trip, you find it spray painted by vandals. Your comprehensive coverage can help pay for repainting.

Animal collisions

You hit a deer while riding your ATV through backcountry trails and the collision dents your front bumper and cracks a headlight housing. Comprehensive will pay for the repair after deductible.

Flood damage

Rising flood waters in your area damage your dirt bike which was parked in your garage at home. The comprehensive portion of your policy can cover repairing water-related damage.

Theft of vehicle or parts

You arrive to pick up your trailer at a campsite and find that the spare tire on the trailer has been stolen along with some tools that were inside. Your off-road vehicle comprehensive coverage can pay for these stolen personal items and parts.

Filing the claim

To make a comprehensive claim:

  • Document damage with photos/video

  • Get a repair cost estimate

  • Report to insurance within timeline required

  • Submit any evidence like police reports for theft/vandalism

Comprehensive coverage provides protection against a wide range of risks off-road vehicle owners face. Take advantage of this coverage whenever an incident occurs that results in damage not caused by a collision.

Factors that affect comprehensive premiums

The cost of comprehensive coverage for your off-road vehicle depends on several factors:

Vehicle make, model, and value

  • Premiums are higher for more expensive vehicles

  • Newer models often cost more to insure

  • Certain makes/models have higher theft rates

For example, a brand new $15,000 UTV would likely have a higher premium than a used $3,000 dirt bike.

Where the vehicle is operated and stored

  • Storage at home vs. in public areas like marinas

  • Driving in remote regions vs. private trails

  • Theft and vandalism rates for area

Storing your snowmobile at home in a garage may mean lower rates than public storage.

Selected deductible amount

  • Options like $250, $500, $1,000 or higher

  • Higher deductible = lower comprehensive premium

Choosing a $1000 deductible can save over a $250 deductible.

Driver's history and experience

  • New riders may pay more

  • Past comprehensive claims can increase premiums

  • Completion of safety course may lower rates

Experienced riders with clean records may get better rates.


  • Multi-vehicle discounts if insuring ATV+dirt bike

  • Bundling with auto, homeowners, renters policies

  • Loyalty discounts for longtime customers

  • Safety feature discounts like GPS tracking

Ask your insurer about available discount opportunities.


  • Frequency vehicle is operated/mileage

  • Recreational vs commercial use

  • Off-season storage can lower rates

Occasional recreational use may cost less than daily use.


  • Areas prone to hail, floods, hurricanes or blizzards

  • Rural vs urban environment

Rural trails may have higher animal collision rates. Coastal areas are prone to hurricane damage.

Be sure to discuss these factors with your agent to get the best comprehensive rate for your specific situation.

Shopping for comprehensive coverage

Finding the right comprehensive coverage for your off-road vehicle takes some research:

Check with insurance providers

  • Major insurers like State Farm, Allstate, GEICO offer coverage

  • Some require separate off-road vehicle policy

  • Can sometimes be added to existing auto/motorcycle policy

Consider bundling policies

Adding an ATV or dirt bike to your current policies can lead to discounts:

  • Homeowners or renters insurance bundle

  • Existing auto insurance policy bundle

  • Motorcycle insurance bundle

Compare quotes

  • Get quotes from several providers

  • Compare coverage offerings and exclusions

  • Look at premium costs with various deductibles

  • Check for discounts like multi-vehicle or safety courses

Using online quote tools can streamline the process.

Adjust coverage to fit needs

  • Consider higher liability limits if assets at risk

  • Raise/lower deductible based on budget

  • Add roadside assistance for trails access

Bolster coverage if you have an expensive UTV or travel far distances.

Consider usage and storage

  • Let agent know usage frequency and type of trails

  • Ask about discounts for off-season storage

  • Install safety features like GPS tracking for theft prevention

Infrequent recreational use is lower risk than daily use.

Review exclusions

  • Damage from racing may be excluded

  • Custom or modified vehicles may have limited coverage

  • Using vehicle outside intended purpose may not be covered

Understand exclusions that apply to your situation.

Ask about discounts

  • Take safety courses to lower premiums

  • Inquire about multi-policy, multi-vehicle, loyalty discounts

  • See if storage discounts apply when not in use

Discounts can lead to significant comprehensive premium savings.

With some smart shopping, you can gain peace of mind knowing your off-road vehicle is covered properly.

Laws and regulations

When shopping for off-road vehicle insurance, be aware of your state's requirements:

Insurance requirements

  • Most states don't require insurance for ATVs and dirt bikes

  • Some mandate liability insurance minimums:

    • e.g. $25,000 bodily injury per person

    • $50,000 bodily injury per accident

    • $10,000 property damage

  • Even with no mandate, insurance is recommended

Check your local laws. Some parks/trails may require proof of insurance.

Registration and titling

  • Registration often required for operation

  • Proof of registration may be needed for insurance

  • Some states title off-road vehicles, others don't

  • May need bill of sale or prior title for insurance quote

Know the titling and registration rules in your region.

Operation regulations

  • Most states prohibit ATV operation on public roads

  • Roads access may be permitted under certain conditions:

    • Agricultural use

    • Trail connectivity

    • Local ordinances

  • Speed limits, license, minimum age may be enforced

Understand designated trail systems and legal operation areas.

Safety laws

  • Helmet use may be required on public land trails

  • Mandatory ATV safety certificate classes in some states

  • Passenger and nighttime riding restrictions may apply

Take mandated safety courses for operation privileges.

Where to ride

  • Private land - Get landowner permission

  • Public trails - Know rules and get permits

  • Parks - Check for insurance requirements

Observe all posted regulations and trail limits.

Following the laws and requirements helps keep your insurance valid. Ask your agent about state and local ordinances pertaining to off-road vehicles to stay compliant.

Consider completing a hands-on safety course for riding skills and potential insurance savings.

Claims process overview

If you need to file a comprehensive claim for your off-road vehicle, follow these steps:

Report the incident promptly

  • Notify insurance company as soon as possible

  • Provide details on what happened

  • Indicated if police report was filed

  • Ask about claim documentation you'll need

Don't delay reporting, as there are claim filing time limits.

Gather supporting evidence

  • Photograph damage from all angles

  • Get written repair estimates from shops

  • Provide police reports for theft/vandalism

  • Submit receipts for personal items stolen

  • Give statement on what happened

The more proof you provide, the smoother the process.

Repairs vs. replacement

For moderate damage, the insurer will likely pay for repairs. For a total loss, they may pay actual cash value or replacement cost.

Settle applicable deductible

You pay the deductible amount directly to the repair shop. The insurer covers eligible costs above that.

Receive reimbursement

  • Payment is sent after claim is approved

  • OR insurer pays repair shop directly

  • Expect processing time of 1-2 weeks

Delays can happen if more evidence is needed.

Communicate any delays

  • Contact adjuster if repairs not starting promptly

  • Explain if rental reimbursement needed for transportation

  • Request updates if payments taking longer than expected

Working cooperatively with your adjuster is key.


  • Raise concerns directly with company

  • Provide additional documentation if needed

  • Utilize state insurance department if unresolved

Disputes are rare with adequate evidence of covered damage.

Understanding the standard claims procedures helps ensure you get your ATV, UTV or dirt bike back on the trails again.

Tips for protecting your investment

In addition to comprehensive coverage, you can take these proactive steps to protect your off-road vehicle:

Use protective riding gear

  • Helmet - DOT approved model with face shield

  • Goggles - Shatter resistant with UV protection

  • Gloves - Reinforced palm, wrist protection

  • Boots - Over ankle with grip sole

  • Jacket/pants - Durable material with armor

Quality gear reduces injury risk so you can ride safely.

Secure storage

  • Locked garage at home

  • Wheel chocks and hitch locks when trailering

  • Security alarms/cameras if no garage

  • Lock compartments/cases for gear

Prevent theft and damage during storage.


  • Address leaks, oil drips to prevent fires

  • Replace worn tires

  • Pressure wash after muddy rides

  • Check and replace suspension components

Well maintained vehicles suffer fewer breakdowns and damage.


  • Inform insurer of lift kits, accessories etc.

  • Improper installations can increase risk

  • Stick to manufacturer approved customizations

Unapproved mods can void your policy.

Transport safely

  • Secure trailer load tie downs

  • Verify lighting/wiring

  • Use anti-sway hitches

  • Check brakes/tires before hauling

Prevent loose cargo or trailer detachment.

Ride defensively

  • Take difficult trails slowly

  • Avoid rushing through crowded areas

  • Stay alert for changing conditions

  • Brake/turn gently to prevent rollovers

Responsible riding habits reduce accident risk.

Treating your ATV or dirt bike properly, both on and off the trails, pays dividends through reduced damage repairs and insurance claims.


For off-road vehicle owners, comprehensive coverage provides essential protection by covering risks like theft, vandalism, weather damage and more. Due to the environments they operate in, ATVs, UTVs and dirt bikes are prone to unexpected damage outside of collision accidents. Having comprehensive insurance can save owners thousands in repair bills in the event of fire, flood, animal strikes or other mishaps.

Comparing quotes, bundling policies, and taking advantage of discounts can help keep premiums affordable. Following safe riding and maintenance best practices year-round allows enthusiasts to enjoy their hobby with greater confidence. With the right comprehensive policy in place, off-road vehicle fans gain invaluable peace of mind hitting the trails.

Other readers were also interested in the following posts:

How can I Lower My Comprehensive Insurance Cost? 8 Practical Tips   

When Should I Drop Full Coverage in My Car?    

How to Get the Most Out of Your Comprehensive Coverage Policy

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