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.