We are fortunate in Michigan to have miles of DNR trails for quads, dirt bikes and side by sides to ride and enjoy. Did you know you can get specialized insurance for your off-road vehicles just like for your car? When you’re not worried about insurance coverage, you can give your all to having fun out on the links and the trails.

Our Michigan off-road vehicle insurance covers golf carts, all-terrain vehicles (ATVs, or quads) dirt bikes, dune buggies, and other motorsports vehicles.

Your off-road vehicles are usually not covered by your regular home or auto policies. Additionally, if you want to drive your off-road vehicle on state of Michigan or Michigan national park property, you will need to have it insured correctly.

You can reduce the cost of your off-road vehicle insurance if you keep your overall driving record clean. If you have claims on your regular auto insurance policy for things that are your fault, or if you have driving record violations, like speeding tickets, your rates could go up. If you insure your dirt bike, your golf cart, and your snowmobile with the same carrier, you can also reduce your costs.

While every policy is unique, most off-road vehicle policies generally cover similar situations:

1. Damage to your vehicle when you have a collision with a stationary object or another vehicle.
2. Damage to another person’s property while in/on your off-road vehicle.
3. Injuring someone while driving your off-road vehicle.
4. Vandalism, theft, or fire.

We want you to enjoy your time outdoors with your off-road vehicle. Whether working on a farm, riding around your hunting property, enjoying the trails in Gladwin and everywhere in between in Michigan, as an independent agency, we’ll help you find the right ATV insurance policy that lets you rest easy knowing you have the coverage you need.

Get a Free Off Road Vehicle Insurance Quote