Where can I find Insurance on a Polaris RZR that is licensed for road use?

 ***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:

• Be careful of ATV insurance that is attached to your homeowners policy. Stand alone ATV insurance provides much better coverage (For example, the common homeowner policy only covers ATV's while they're on they're the residence using the ATV to service the property. Many do not provide coverage for recreational use or coverage off of the premises).

• You can put a lot of coverage protection on an ATV for much less premium than what you may think. Compared to other types of recreational vehicles, insurance coverage on ATV’s and UTV’s is among the least expensive. Keep this in mind when selecting your levels of coverage.

• ATV's are usually not categorized by itself. Instead they are grouped in with motorcycles and other motorbikes (scooters, mopeds, dirt bikes etc.). Inadvertently, this can sometimes allow you to increase your coverage at no extra charge or dramatically increase coverage for very little extra. This is especially true on liability only policies and older ATV’s.

• 1/3 of all ATV owners also own a motorcycle. Adding a 2nd vehicle on a motorcycle/ATV insurance policy usually brings huge discounts with it! If you already have a motorcycle insurance policy in force, adding an ATV on the policy (or vice versa) can run as little as $20 extra per year!

   


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