Advantage 1 Insurance Agency- St. Cloud
3801 3rd Street North
St. Cloud, MN 56303

Fax: 320-252-7536

ATV Insurance

Explore the Trails With Confidence.

Your ATV is a considerable recreation investment. As you’re enjoying your ATV, the last thing you want to worry about is whether you have the right insurance coverage. A customized All-Terrain Vehicle insurance policy from Stearns Insurance Services Inc., lets you ride with confidence, knowing that you’re properly insured.

No matter what type of vehicle you have, a snowmobile, 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance that you want and the protection you deserve with specialized coverage options, including:

  • Collision coverage: damage to your ATV from rocks, trees, and other obstacles or debris
  • Accessory coverage
  • Transport Trailer coverage
  • Comprehensive coverage: extra security for loss or damage from theft, fire, or vandalism
  • Medical Payments
  • Rental Vehicle coverage
  • Property Damage: covers expenses to another person’s property for which you are liable
  • Uninsured/Underinsured Motorist coverage
  • Bodily Injury: pays medical expenses to others if you’re held liable in an accident
  • Trip Interruption
  • Uninsured Motorist: protects you from loss or damage caused by uninsured and underinsured riders
  • Total Loss coverage
  • Collision coverage

Stearns Insurance Services Inc. is dedicated to offering you the best possible coverage at a price you can afford.


We offer additional ATV coverage for damage to custom equipment that you may have added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you’ve successfully completed a rider safety course.

Discounts and coverage options can vary according to your location and specifications.

Contact one of our licensed insurance professionals to learn more about ATV insurance and building a recreational plan that best fits your needs.