ATV and UTV Insurance

Why get a Foremost® off-road vehicle (ORV) insurance policy to cover your ATV or UTV? Do you jump on your dirt bike and drive it down the stairs to your kitchen? We hope not. So why would you insure your ORV on a policy meant for your home?

Find an Agent

Take care of your insurance needs with a licensed agent in your area.

Get an Online Quote

Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

Foremost ORV coverage options are available for all-terrain vehicles, utility-terrain vehicles, four-wheelers, traditional quad bikes, side-by-sides, dirt bikes, dune buggies, golf carts and snowmobiles!

ORV Insurance Coverage

See what’s covered under a Foremost ORV policy.

Safety Apparel Coverage

This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

Medical Payments Coverage

Hopefully never needed, but always important with off-road vehicle insurance, this coverage pays for necessary medical care you receive for injuries sustained in an off-road vehicle accident.

Collision Coverage

Regardless of who is at fault, this provides coverage for your ORV in the event of damage caused by a collision with other vehicles, trees or utility poles.

Optional Equipment Coverage

We may include $500 for optional equipment coverage, depending on your policy. This covers any "extras" added to your ride, including towable trailers or sleds made for use with your ORV.

Liability Coverage

This broad coverage is meant for accidents involving your ORV where you are at fault. It provides coverage for injuries and property damage for the not-at-fault parties.

Other Than Collision Coverage

This provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.

ATV/UTV Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:

Multi-Vehicle

Receive a discount if you have multiple off-road vehicles insured on the same policy. The more you have, the more you save!

Multi-Policy

Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West® entities.

Locked Storage

Applies if the ORV is kept in a fully enclosed, locked garage or structure when it is not being used.

ATV/UTV Insurance FAQ

Have questions about insurance for your ATV or UTV? We have answers!

Some states do require insurance on ORVs if they are going to be used on trails on state land, but that is not always the case. Find an agent to discuss your coverage options.
Foremost homeowners policies only provide coverage for an ORV when used on the premises for maintenance. If you take your ORV off your property, you may need additional coverage. Foremost agents can offer options so you can find the coverage you want.
No. ORV insurance does not cover a blown engine. This would be considered normal wear and tear. You can help avoid wear and tear problems with these tips for ATV and UTV maintenance.
Yes. A Foremost ORV insurance policy covers theft if comprehensive coverage is purchased.
The average cost range is too wide for an answer that would apply to all. It depends on a variety of factors, including the type of unit, unit value, the applicant’s driving record, insurance score and the state.
You may be able to endorse an ATV or UTV onto some auto policies for a cost, but they usually are not automatically covered under auto policies.

Annual Policies

Foremost offers year-round policies so you’re covered when you’re ready for an adventure.

Trailer Coverage

Provides coverage for a specifically designed trailer to transport your ORV (valued up to $10,000).

Start the journey to A Better Insurance Experience® with a quote for ORV insurance.

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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