ATV Insurance

Insurance that covers

what is ATV insurance?

If you are operating an ATV on state land or off your property in general, your homeowners insurance likely won’t cover it. ATV Insurance protects you in the event of an accident or other causes of damage. It also covers bodily injury and damage to others’ property, if you are at fault in an accident. It can pay for legal expenses, as well as other people’s medical costs and lost wages.

Whatever you drive, you need insurance for your ATV and assets. American Safeguard Insurance has coverage options that enable you to get the ATV Insurance policy you want. 

Risks We Cover

You cause an accident

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You’re at fault in an accident with another ATV, injuring the rider and damaging their bike.


Bodily Injury/Property Damage pays for damages to other vehicles and injuries to others if you’re liable in a ATV accident, as well as legal expenses if you’re sued. Bodily Injury Coverage is mandatory in almost every state.

You damage your ATV

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You’re in a collision with a tree and your ATV is totaled.


Comprehensive Coverage pays to repair or replace your ATV if it’s stolen, vandalized or damaged in a fire or collision with an animal. Collision Coverage pays to repair or replace your bike if its damaged in an accident. You’ll be able to choose your deductible amount for Comprehensive and Collision coverage.

an uninsured Motorist damages your ATV

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You’re blindsided by a driver with no insurance and no way to pay for the injuries they’ve caused.


Uninsured Motorist Coverage is designed to reimburse you or a family member or can even cover a designated driver if one of you is struck by another driver who is uninsured and can apply to a hit-and-run driver. Underinsured Motorist is in play when another driver hits you and doesn’t have enough insurance to cover your loss.

you're injured in an accident

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You fall off your ATV and break your arm.


Medical Payments Coverage provides for the treatment of injuries to the driver and/or the passengers of the policyholder’s vehicle.

We'd love to share our knowledge and experience

One of the most commonly asked questions of agents is “How much insurance do I need?” This is where a professional insurance agent will provide you with numerous insurance coverage options regarding limits and coverages and then explain the risk associated with each of them. Each situation is different, so visiting with your agent is important to make sure your ATV is protected the way it is supposed to be.

Do you have to carry ATV insurance?

The state of Arkansas does not require by law that you carry Liability Insurance for an ATV.

What we can do for you

Bundle your Auto Insurance

Auto Insurance

Because drivers are so unpredictable, you never know when an unavoidable accident could happen. Let us protect you from that scenario.

Boat Insurance

From avid fishers to families who enjoy lake trips, we want to make sure that you are getting the protection you need to get on the water the right away.

Motorcycle Insurance

Protect yourself and your ride with motorcycle insurance. Allow us to protect you so you can enjoy the freedom of the open road with ease.

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