ATV & UTV Insurance in New York
Hit the trails with confidence. Get comprehensive coverage designed for the unique risks of off-road adventures in New York.
NY State Requirement
New York requires liability insurance for all ATVs operated off your own property. The minimum coverage is $50,000/$100,000 bodily injury and $10,000 property damage. You must carry proof of insurance while operating, and riding without insurance can result in fines and registration suspension.
Understanding ATV Insurance
ATV insurance protects you and your off-road investment whether you're trail riding for fun, working on your property, or hunting in rural New York. Like motorcycle insurance, ATV coverage addresses the unique risks of operating a recreational vehicle—exposure to rugged terrain, collision risks, theft, and liability for injuries to others.
A comprehensive ATV or UTV policy typically includes liability coverage (required by NY law), collision coverage for accidents, comprehensive coverage for theft and non-collision damage, medical payments for you and your passengers, and coverage for accessories and equipment you've added.
Whether you own a sport ATV for trail riding, a utility ATV for property work, or a side-by-side UTV for family adventures, we can help you find the right coverage at a competitive price. Physical damage coverage is surprisingly affordable for most ATVs.
What We Insure
- ✓Sport ATVs (four-wheelers)
- ✓Utility ATVs
- ✓UTVs (side-by-sides)
- ✓Sport side-by-sides
- ✓Youth ATVs
- ✓Two-up ATVs
- ✓Golf carts (off-road use)
- ✓Trailers and equipment
ATV & UTV Coverage Options
Required Coverage in NY
- Bodily Injury Liability
Minimum: $50,000 per person / $100,000 per accident. Covers injuries you cause to others while operating your ATV.
- Property Damage Liability
Minimum: $10,000. Covers damage you cause to others' property, including other vehicles and structures.
Note: NY minimum limits for ATVs are higher than for snowmobiles. We recommend even higher limits for adequate protection.
Recommended Optional Coverage
- Collision Coverage
Pays to repair or replace your ATV after an accident with another vehicle, object, or rollover.
- Comprehensive Coverage
Covers theft, fire, vandalism, falling objects, and non-collision damage. Essential year-round protection.
- Medical Payments
Covers medical expenses for you and your passengers regardless of fault.
- Accessory Coverage
Covers aftermarket accessories like winches, plows, racks, and custom modifications.
What's Covered vs. What's Not Covered
Typically Covered
- Collision Damage
Accidents with other vehicles, trees, rocks, rollovers, or falling into ditches
- Theft
Stolen ATV from your property, trailhead, hunting camp, or while traveling
- Fire & Vandalism
Damage from fire, explosions, or intentional damage by others
- Injuries to Others
Liability coverage for injuries you cause to other riders or bystanders
- Property Damage
Damage to other people's ATVs, vehicles, fences, or property
- Accessories & Equipment
Winches, plows, racks, GPS, and other aftermarket equipment
Common Exclusions
- Racing/Competitions
Organized races, time trials, and competitive events typically excluded
- Commercial Use
Using your ATV for rental, tours, farming for hire, or other business purposes
- Single-Rider ATV with Passenger
Carrying passengers on ATVs designed for one person may void coverage
- Intentional Damage
Damage you cause intentionally to your own ATV
- Wear, Tear & Maintenance
Mechanical breakdowns, tire wear, and normal maintenance
- Impaired Operation
Accidents while operating under the influence of alcohol or drugs
Ready to Hit the Trails?
Get protected for your off-road adventures. Coverage is affordable and easy to get—often just minutes from quote to policy.
How Much Does ATV Insurance Cost?
ATV insurance in New York is affordable, typically costing between $75 and $500 per year depending on the type and value of your vehicle. Here's what affects your rate:
Factors That Affect Your Rate
- 1.Vehicle Value: Higher value ATVs and UTVs cost more to insure
- 2.Vehicle Type: UTVs/side-by-sides often cost more than ATVs
- 3.Coverage Levels: Liability-only vs. full coverage
- 4.Rider Experience: Years of riding and safety courses
- 5.Usage: Recreational vs. utility/farm use
- 6.Claims History: Prior claims increase rates
Ways to Save on Your Premium
- ✓Safety Course: Complete an approved ATV safety course
- ✓Multi-Policy Bundle: Combine with auto, home, or other vehicles
- ✓Multi-Vehicle Discount: Insure multiple ATVs together
- ✓Higher Deductible: Choose a higher deductible to lower premium
- ✓Secure Storage: Storing in a locked garage or building
- ✓Pay in Full: Avoid monthly billing fees
Approximate Annual Premium Ranges
*These are general estimates. Your actual premium depends on individual factors. Contact us for an accurate quote.
ATV vs. UTV: What's the Difference?
ATVs (All-Terrain Vehicles)
- •Handlebar steering (like a motorcycle)
- •Straddle seating position
- •Typically single rider (some two-up models)
- •More affordable ($3,000-$15,000 typically)
- •Lower insurance costs
- •Popular for trails and sport riding
UTVs (Utility Terrain Vehicles)
- •Steering wheel (like a car)
- •Side-by-side seating with roll cage
- •Multiple passengers (2-6 depending on model)
- •Higher cost ($10,000-$30,000+ typically)
- •Higher insurance costs due to value
- •Popular for work, hunting, and family use
New York ATV Requirements
Registration Requirements
- •All ATVs operated off owner's property must be registered
- •Registration decals must be displayed on both sides
- •Proof of insurance required for registration
- •ATVs cannot be operated on public highways (with limited exceptions)
Operator Requirements
- •Operators under 16 must have safety certification
- •Children under 10 cannot operate ATVs
- •Eye protection required while operating
- •Headlights and taillights required for night operation
ATV Safety Tips
Stay safe on and off the trails with these essential tips:
Always Wear a Helmet
DOT-approved helmets protect against head injuries—the leading cause of ATV fatalities. Goggles or a face shield protect your eyes.
Wear Protective Gear
Long pants, long sleeves, over-the-ankle boots, and gloves protect against scrapes, branches, and the elements.
No Passengers on Single-Rider ATVs
Single-rider ATVs are designed for one person only. Extra weight affects handling and can cause accidents.
Don't Drink and Ride
Alcohol impairs judgment and reaction time. Operating under the influence is illegal and extremely dangerous.
Stay on Designated Trails
Ride only on designated ATV trails and areas. Riding on private property without permission is trespassing.
Maintain Your Machine
Regular maintenance keeps your ATV safe. Check tires, brakes, controls, and fluids before every ride.
Frequently Asked Questions
Is ATV insurance required in New York?
Yes, New York requires liability insurance for ATVs operated off your own property. The minimum required coverage is $50,000/$100,000 bodily injury and $10,000 property damage. Proof of insurance must be carried while operating.
How much does ATV insurance cost in NY?
ATV insurance in New York typically costs between $75 and $500 per year, depending on the vehicle value, type (ATV vs UTV), coverage levels, your riding experience, and chosen deductibles. UTVs and side-by-sides generally cost more to insure due to higher values.
Does my auto or homeowners insurance cover my ATV?
Standard auto insurance does not cover ATVs. Homeowners insurance may provide limited liability coverage while on your property, but typically excludes coverage for the vehicle itself and off-property use. A dedicated ATV policy provides comprehensive protection.
What is the difference between ATV and UTV insurance?
ATVs (all-terrain vehicles) are typically single-rider machines with handlebars. UTVs (utility terrain vehicles) or side-by-sides have steering wheels, bench or bucket seats, and roll cages. Both need insurance, but UTVs often cost more to insure due to higher values and the ability to carry passengers.
Does ATV insurance cover passengers?
Your liability coverage protects passengers from injuries they cause to others. Your medical payments coverage (if purchased) covers passenger injuries. Note that carrying passengers on single-rider ATVs designed only for one person may void coverage.
Can I get a discount for taking an ATV safety course?
Yes, many insurance companies offer discounts for completing an approved ATV safety course. New York also requires safety certification for operators under 16. Contact us to learn about available discounts.
Related Coverage Options
Protect all your recreational vehicles year-round:
Important Information
This information is provided for educational purposes only and does not constitute insurance advice. Coverage features, exclusions, and availability may vary by state and insurance carrier. All coverage is subject to policy terms, conditions, and exclusions.
Please review your policy carefully and consult with a licensed insurance professional to determine appropriate coverage for your specific situation. Premium estimates are general ranges and your actual cost may vary based on individual underwriting factors.
The Stan Steele Agency is licensed to conduct business in New York State. License information available upon request.
Get Trail-Ready Today
Don't let a lack of coverage keep you from enjoying the great outdoors. Protect your ATV or UTV and ride with confidence.
Why Riders Choose Stan Steele Agency
- ✓ Affordable coverage from multiple carriers
- ✓ Coverage for ATVs, UTVs, and side-by-sides
- ✓ Safety course and multi-vehicle discounts
- ✓ Coverage for accessories and custom parts
- ✓ Fast quotes and quick policy issuance
Serving off-road enthusiasts across Western New York • Rochester, Buffalo, Finger Lakes and beyond
