ORV Insurance Coverage

See what’s covered under a Foremost ORV policy.

Safety Apparel Coverage

This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

Medical Payments Coverage

Hopefully never needed, but always important with off-road vehicle insurance, this coverage pays for necessary medical care you receive for injuries sustained in an off-road vehicle accident.

Collision Coverage

Regardless of who is at fault, this provides coverage for your ORV in the event of damage caused by a collision with other vehicles, trees or utility poles.

Optional Equipment Coverage

We may include $500 for optional equipment coverage, depending on your policy. This covers any "extras" added to your ride, including towable trailers or sleds made for use with your ORV.

Liability Coverage

This broad coverage is meant for accidents involving your ORV where you are at fault. It provides coverage for injuries and property damage for the not-at-fault parties.

Other Than Collision Coverage

This provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.

ATV/UTV Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:


Receive a discount if you have multiple off-road vehicles insured on the same policy. The more you have, the more you save!


Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West® entities.

Locked Storage

Applies if the ORV is kept in a fully enclosed, locked garage or structure when it is not being used.

ATV/UTV Insurance FAQ

Have questions about insurance for your ATV or UTV? We have answers!

Some states do require insurance on ORVs if they are going to be used on trails on state land, but that is not always the case. Find an agent to discuss your coverage options.
Foremost homeowners policies only provide coverage for an ORV when used on the premises for maintenance. If you take your ORV off your property, you may need additional coverage. Foremost agents can offer options so you can find the coverage you want.
No. ORV insurance does not cover a blown engine. This would be considered normal wear and tear. You can help avoid wear and tear problems with these tips for ATV and UTV maintenance.
Yes. A Foremost ORV insurance policy covers theft if comprehensive coverage is purchased.
The average cost range is too wide for an answer that would apply to all. It depends on a variety of factors, including the type of unit, unit value, the applicant’s driving record, insurance score and the state.
You may be able to endorse an ATV or UTV onto some auto policies for a cost, but they usually are not automatically covered under auto policies.

Start the journey to A Better Insurance Experience® with a quote for ORV insurance.