Off-road Vehicle Insurance

Stay covered while you hit the trails.

Off-road vehicle insurance to suit your lifestyle.

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Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.

Many Americans own off-road vehicles like dirt bikes and ATVs that they use for fun. Whether you like to ride your dirt bike in the desert on the weekends or fly down the slopes on a snowmobile, accidents can happen. If you’re not properly insured and get into an accident, you would need to pay for repairs, legal fees, medical expenses and more out of pocket. At Reliant Agency, we protect you from the unexpected. No one wants to have an off-road accident while on vacation, but it happens far too often. Here’s how you can protect yourself…

Off-road vehicle insurance provides protection for vehicles like snowmobiles, ATVs, golf carts, dirt bikes and dune buggies. These types of vehicles are excluded from homeowners insurance policies and general auto insurance, so they need policies of their own.

What does Illinois off-road vehicle insurance cover?

The details of off-road vehicle insurance policies can vary based on the type of coverage you need and the amount you would like to pay. However, they typically include:

  • Property damage liability
  • Bodily injury liability
  • Collision coverage
  • Repair costs
  • Third party Uninsured driver
  • Medical payments
  • Legal fees
  • Equipment coverage
Why do you need off-road vehicle insurance?

Off-road vehicles can be quite expensive. For example, new dirt bikes cost $8000-$9000 and snowmobiles cost approximately $10,000. Needless to say, off-road vehicles are substantial investments. However, many people don’t see off-road vehicles as vehicles at all. Instead, they see them as toys and therefore don’t understand why they should be insured.

But since typical auto insurance and home insurance policies don’t cover off-road vehicles, you need to purchase another policy that does- like off-road vehicle insurance.

The right off-road policy will protect you and other drivers in the event of an accident. If you crash into another driver, hit something in the road or suffer damage to your vehicle due to severe weather, you could be covered.

At Reliant Agency, our network of highly rated insurance companies provide several different types of off-road vehicle insurance policies. We can work with you to find coverage that is affordable and meets your needs. Contact us today for a quote!

Off-Road Vehicle Insurance - Father and Son Using ATVs

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