Learn
Concierge Insurance.
From Start to Claim™
Whether you're a full-time rancher or part-time adventure seeker, make sure you and your utility vehicle (UTV), quad, or side-by-side are protected.
UTV insurance helps protect your utility task vehicle or side-by-side from financial losses caused by accidents, theft, vandalism, fire, and other covered events. A typical policy may also provide liability protection if you're responsible for injuring another person or damaging their property while operating your UTV.
Whether you use your UTV for recreation, hunting, farming, trail riding, or work around your property, specialized insurance can help protect both your vehicle and your financial future.
Insurance is available for many types of utility task vehicles and side-by-sides, including recreational, utility, hunting, sport, and work models. Popular brands such as Polaris Ranger, Polaris RZR, Can-Am Defender, Can-Am Maverick, Honda Pioneer, Kawasaki Mule, Yamaha Wolverine, Yamaha Viking, and John Deere Gator can often be insured under a specialized UTV insurance policy.
Your insurance agent can help you choose coverage based on how your UTV is used and where it is operated.
UTV insurance may include liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist protection, medical payments, towing, trailer coverage, and optional protection for custom accessories and equipment.
The coverages available depend on the insurance company and the policy you select.
Virginia generally does not require UTV insurance when the vehicle is used exclusively on private property. However, insurance requirements may apply if the vehicle is financed, used for business purposes, or operated where insurance is required by law or by a private property owner, park, or trail system.
Even when insurance isn't legally required, carrying coverage can help protect you from expensive repair bills and liability claims.
Some homeowners insurance policies provide limited protection for UTVs while they are stored on your property, but coverage is often very limited and typically does not apply while the vehicle is being operated. Liability coverage may also be excluded once the UTV leaves your property.
A dedicated UTV insurance policy generally provides much broader protection wherever you're legally operating your vehicle.
Yes. Comprehensive coverage generally protects your UTV if it is stolen or damaged by theft, vandalism, fire, falling objects, or certain weather-related events. Coverage is subject to your deductible and policy limits.
Storing your UTV in a locked building and using anti-theft devices can help reduce your risk of theft and may qualify you for insurance discounts.
Many insurance companies offer optional coverage for custom wheels, upgraded suspension systems, lift kits, winches, roofs, windshields, lighting systems, sound systems, plows, hunting accessories, and other aftermarket equipment. Standard policies may provide only limited coverage for these upgrades.
If you've customized your UTV, be sure to discuss those modifications with your insurance agent.
Insurance premiums are influenced by factors such as the UTV's make, model, value, engine size, age, storage location, riding experience, claims history, annual usage, selected coverages, and deductible.
Maintaining a clean claims history and storing your UTV securely may help reduce your insurance premium.
Yes. Many insurance companies offer multi-policy discounts when you insure your UTV along with your auto, homeowners, motorcycle, boat, RV, or umbrella insurance. Bundling your insurance can simplify policy management while helping reduce your overall insurance costs.
An independent insurance agency can compare multiple insurance companies to help maximize your available discounts.
You should review your UTV insurance annually and whenever significant changes occur. Purchasing a new side-by-side, adding expensive accessories, changing how you use the vehicle, moving to a new location, or increasing its value may all affect your insurance needs.
An annual insurance review helps ensure your UTV remains properly protected while identifying opportunities for improved coverage and available premium savings.
