Whether it’s a snowmobile, ATV, or golf cart, off-road vehicle insurance covers you and your vehicle. Off-road insurance may not generally be required, but if you are driving your ATV in public or state parks, you might be required to have coverage. Regardless of whether or not you are required to have off-road vehicle insurance, it is still good to have. Therefore, it’s important to learn what kind of coverage you can get. 



The vehicles that sports leisure/off-road vehicle insurance covers include:

  • Golf carts

  • ATVs

  • Snowmobiles

  • Dirt bikes

  • Dune buggies

  • Camping trailers


First and foremost, you should know that most auto insurance policies do not cover off-road vehicles, but some homeowner’s insurance policies may provide extended coverage. However, this coverage is usually highly limited, so it’s best to look into a separate policy. The general coverage offered for off-road vehicles is similar to what’s offered for regular automobiles. Protection includes:

If your off-road vehicle is damaged from an incident other than a collision, then comprehensive coverage can pay for repairs or replacement. Other incidents can include, but are not limited to, hail, fire, vandalism, and theft.

Collision coverage covers the damage to or replacement of your off-road vehicle when it’s involved in a collision. That could be a collision with another vehicle or some other kind of object, such as a tree or a building.

When you’re responsible for an accident, liability coverage pays for any damages to property, including other vehicles, or injury to others. Liability coverage limits are separated into bodily injury per person, bodily injury per accident, and property damage.

If you get hurt in an accident while on your off-road vehicle, then PIP will cover the medical expenses and may even cover additional associated expenses up to the coverage limits.


As with all insurance policies, the basis of your premium is determined by the amount of coverage you want. For example, a premium will be higher if you choose to have $10,000 in property damage liability coverage than it would be if you elected for $5,000 in coverage.

The type and value of your off-road vehicle may also be a determining factor. For example, an ATV usually comes with more risks than a golf cart, so it might be more expensive to insure.

To get a better idea of how much off-road vehicle insurance will cost, call Allstar Insurance for an insurance quote today!

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If you would like to find out more about what Allstar International Group can do for you or to receive a quote, don’t hesitate to contact us. We’d love to hear from you!