ATV & UTV Insurance in Kentucky

ATVs and side-by-sides are a big part of life in Eastern Kentucky - used on farms, wooded property, and gravel roads. ATV and UTV insurance helps protect you from liability, damage, and unexpected costs that homeowners or auto policies often don't fully cover.

Does Home or Auto Insurance Cover My ATV?

In many cases, homeowners or auto policies provide limited or no coverage for off-road vehicles - especially when they're used away from your property, transported on trailers, or involved in liability claims.

A dedicated ATV/UTV policy or endorsement can help fill those gaps with broader, clearer protection.

What Off-Road Vehicle Insurance Can Cover

Liability Coverage

Helps protect you if someone is injured or property is damaged while operating your ATV or UTV.

Physical Damage (Collision & Comprehensive)

Covers damage from accidents, rollovers, theft, fire, or weather events.

Accessories & Aftermarket Parts

Optional coverage for upgrades like windshields, lifts, tires, and other add-ons.

Trailer & Transport Coverage

Protection while your ATV or UTV is being transported on a trailer.

Guest Rider Coverage

Options to help protect passengers riding with you.

Coverage Based on How You Use Your ATV or UTV

Insurance needs can change depending on whether you ride:

Only on private property

On trails or recreational areas

Across gravel roads or road crossings

For work purposes on farms or acreage

We'll help you select coverage that matches your real usage - without overcomplicating it.

Built for Eastern Kentucky Recreation & Property Use

From wooded trails and farmland to long gravel driveways, off-road vehicles are used differently here than in urban areas. We understand how ATVs and UTVs fit into rural Kentucky life and help tailor coverage accordingly.

Quick Intake for ATV/UTV Quotes

Simple, Local ATV & UTV Insurance

Protect Your Off-Road Vehicles

Let's make sure your ATVs and UTVs are properly covered - on your property and beyond.