Off-Road Vehicle Insurance

Don't let your adventures get cut short — get ATV coverage for your ride!

Talk with a local agent about Off-Road Vehicle Insurance

Why choose Foremost for ATV Insurance? Do you jump on your dirt bike when you wake up, drive it down the stairs to your kitchen and grab some coffee? We hope not. Then why would you insure your off-road vehicle (ORV) with a policy meant for your home?

Don't let your adventures get cut short because you didn't get ATV insurance coverage for your ride! Your homeowners or auto policy may not adequately cover your ORV. Find a Foremost Agent near you can help you choose the right Foremost policy for your ORV, so you can go out and enjoy the trail while someone else takes care of the paperwork!

We've got your ATV covered:

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.

Optional Equipment Coverage.

We 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.

Annual Policies.

If the trail is calling, you don't want to miss it. No calls, no hassle with our annual policy you can insure your ORV even in the "off-season."

Medical Payments Coverage.

Hopefully never needed, but always important with off-road vehicle insurance, this coverage pays for the necessary medical care you receive as a result of an off-road vehicle accident.

Liability Coverage.

This broad coverage is meant for accidents involving your ORV (the coverage is for third-party injuries and property damage).

Increased Limits.

You can choose the limits that you want on your liability.

Collision Coverage.

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

Other than Collision Coverage.

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

Trailer Coverage.

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

Do we insure you?

A Foremost policy covers all kinds of your rides. Dirt bike, dune buggy, golf cart, ATV (standard, sport and utility) and (2, 4, 6, or 8-wheel). Visit an agent to help you choose the right ATV Insurance Foremost policy for your ride.

You Choose!

Foremost offers flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Trusting your off-road vehicle to a homeowners policy may bring you an unpleasant surprise at claim time. That's why we are here to tell you that Foremost SPECILIZED off-road vehicle insurance or ATV insurance policy, beyond your homeowners policy can cover you so you can continue to ride the trails.

Claims Comparison
  No insurance/Added to your Homeowners Policy Specialized ATV insurance policy
What if I am in an accident on my ORV and incur medical costs for myself? With a typical homeowners policy, your medical costs would not be covered. A Foremost policy includes medical payments coverage, which will typically pay your medical costs, up front.
What if I'm driving down the road and my ORV slides off my trailer? Wave it goodbye as it slides down the road. Your typical homeowners policy may not cover this loss. Say hello to a comparable replacement. With a specialized ORV policy, your ride would be replaced or repaired.
What if my ORV is stolen? This may not be covered by a typical homeowners policy. You may be replacing your ORV yourself. A specialized ORV policy would typically cover a full replacement.
What if I injure someone with my ORV? A typical homeowners policy may not cover any medical costs; you would be financially responsible for the costs! A specialized ORV policy would cover most of the costs incurred, saving you money.

Why an agent

"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first accident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"

We want you to take advantage of the knowledge!

Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for you. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle. Period.

Take advantage of the knowledge at hand and locate an agent to help you choose the right insurance today, so you can relax tomorrow.

Why get an Agent?

Get Informed.

There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.

Get a Lower Cost.

Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right atv insurance policy for you. This saves you from paying for the extras that you don't want.

Get Extra Time.

Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of having fun with the products you are insuring.

Get Personal Care.

Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.

Talk with a local agent about Off-Road Vehicle Insurance


Availability: Foremost Off-Road Vehicle insurance is available in the United States only and in all states except Hawaii, Massachusetts and Washington D.C. In Massachusetts, only ORV and snowmobile policies are available. Please not that coverages and coverage amounts vary by state and all coverages may not be available in all areas.

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.

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