ATV and off-road vehicle insurance
Liability, physical damage and assistance for your ATV or UTV in California.
Coverage options
Liability
Covers injuries and property damage you cause to others while operating your ATV.
Why choose Auto International
Off-road and on-road coverage
Coverage on trails, private property and on the road where legally permitted.
Covers UTVs and side-by-sides
We also insure UTVs, side-by-sides and off-road work vehicles.
Roadside assistance
Towing service if your ATV breaks down on the trail or road.
Equipment and accessories included
Option to cover aftermarket accessories: racks, exhausts, guards and more.
Frequently asked questions
Does my auto insurance cover my ATV?
No. ATVs require a separate policy. Standard auto insurance covers street-legal registered vehicles, not off-road vehicles.
Do I need ATV insurance to ride on private land?
There's no legal requirement on private land in California, but if there's an accident with injuries or damage, the cost can be enormous. Liability insurance protects you anywhere.
