ATV Insurance
Heading out on the trails is a great way to unwind, explore Wyoming’s backcountry, and enjoy the outdoors. But when the unexpected happens, having the right protection matters. ATV and off-road vehicle insurance helps cover you, your passengers, and your machine so you can ride with confidence.
Protection for Every Adventure
ATVs and off-road vehicles come with unique risks that standard auto or homeowners insurance often does not cover. From trail accidents to theft or damage, the right policy provides financial protection when things go wrong.
Liability Coverage
Covers bodily injury and property damage if you are found at fault while operating an ATV. This helps pay for medical bills, repairs, and legal expenses.
Collision Coverage
Pays for damage to the ATV caused by a collision with another vehicle, ATV, or object, regardless of fault.
Comprehensive Coverage
Protects against non-collision losses such as theft, vandalism, fire, weather damage, or animal-related incidents.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Recreational ATV Riders
For individuals and families who ride ATVs for trail riding, outdoor recreation, and off-road fun. Coverage helps protect against accidents, theft, and liability so they can ride with confidence.
ATV Owners for Work or Property Use
For those who use ATVs for ranching, property maintenance, or day-to-day work. Coverage helps protect the vehicle and provides liability protection during regular use.
Built for Every Kind of Rider
ATV insurance is designed for individuals and families who use off-road vehicles for recreation, work, or a mix of both. Whether they ride occasionally on weekends or rely on their ATV year-round, having the right coverage helps protect against accidents, damage, and liability that can happen off the road. This coverage is ideal for anyone who wants peace of mind while enjoying trails, open land, or private property.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Do you need insurance for an ATV?
ATV insurance is not always required by law, but it is strongly recommended. Many homeowners and auto policies do not cover ATV accidents, theft, or liability. ATV insurance helps protect against damage, injuries, and legal costs while riding on trails, private property, or public land.
What does ATV insurance typically cover?
ATV insurance can include liability coverage, collision coverage, comprehensive coverage, and medical payments coverage. These coverages help pay for injuries, property damage, theft, vandalism, and repairs after an accident, depending on the policy selected.
How much does ATV insurance cost?
The cost of ATV insurance varies based on factors such as the type of ATV, how it is used, rider experience, and coverage limits. Working with a local agent helps ensure the policy fits both riding needs and budget while finding available discounts.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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