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Off-Road Vehicle
InsuranceWhile enjoying the great outdoors, don't let the
unexpected catch you off guard - make sure that you
have the proper off-road vehicle insurance.
Learn more

What to Look for in an Off-Road Vehicle Insurance Policy

Here are some of the types of ORV insurance coverage:

  • Year-round coverage
  • Safety apparel coverage
  • Towed trailer coverage
  • After-market parts and accessories
  • Transport trailer
  • Collision Coverage and Other than Collision Coverage
  • Increased limits on Liability

To get an Off-Road Vehicle insurance quote, contact a Farmers agent today.

Specialized Off-Road Vehicle insurance coverage

Covered vehicles include:

  • Snowmobiles
  • Dirt bikes
  • Dune buggies
  • Golf carts
  • 3-wheel, 4-wheel and 6-wheel ATVs
  • And more!
Types of coverage

Coverage geared toward an off-road vehicle that may not be available in a conventional Auto or Home policy.

  • Collision Coverage
  • Other Than Collision Coverage
  • Liability Coverage
  • Medical Payments Coverage
  • Safety Apparel Coverage provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Optional coverages

For extra protection out on the trail, and because not everyone's circumstances are the same, we offer a variety of options like:

  • Increased limits on liability
  • Optional Equipment Coverage including towable trailers or sleds made for use with an ATV or snowmobile
  • Coverage on transport trailers valued up to $7,500

Off-Road Vehicle insurance discounts

Farmers offers a variety of discounts that can save you money on your insurance premium. And there's no limit to the number of discounts you can receive if you qualify. With a Farmers policy, you may be eligible for the following discounts:

  • Multi-unit discounts of up to 10%
  • Multi-policy discount
  • Renewal discount for maintaining continuous coverage
  • Safety course discount
  • Discount for prior Off-Road Vehicle insurance

To find our which discounts you qualify for, contact a local Farmers agent.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.