***Update (May 16, 2019): Due to changes in Michigan laws, we can no longer insure ATV's or UTV's licensed for road use in the state of Michigan. We can still insure ATV's or UTV's license for road use in Ohio, Indiana, Pennsylvania, Virginia and West Virginia as long as they haven't been given state assigned Vin#'s. Sorry for the inconvenience.
Finding insurance coverage on A Polaris RZR or any other ATV/UTV is very easy to find. However, if you decide to have this vehicle licensed for road use, your choices are much more limited. The bad news is that many insurance companies that cover ATV’s such as a Polaris RZR and will not offer coverage once the vehicle gets licensed for road use. The good news is that there are still many companies that will. You just have to dig a little deeper and look in the right places.
For those of you who live in the states of Ohio, Indiana, Pennsylvania, Virginia and West Virginia, I will be able to help you to personally solve this problem right away. There are companies that will be happy to insure an ATV/UTV regardless of whether or not it’s street legal as long as it is primarily used for off-road activities. This includes both liability only coverage or liability with physical damage coverage (Comprehensive and Collision).
But before buying ATV insurance or getting a quote, there are four key things you need to be made aware of:
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..