Missouri ATV Insurance
Get a full analysis of Missouri ATV insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best ATV Insurance Options in Missouri
The off-roading potential in Missouri is endless. Whether you love the challenge of taking a 3-wheeler for a spin through the mud pits at Outlaw Off-Road Park or riding a side-by-side across the Big River Sand Drags, make sure you first have the protection offered by ATV insurance.
ATV insurance can help protect an ATV, UTV, side-by-side, or three-wheeler. Before you buy a policy, consider all the ways it can protect you and how much it might cost.
For help finding the right Missouri ATV insurance, contact a local independent insurance agent. An independent agent can get quotes from multiple insurance companies so you can choose the policy that best fits your needs and budget.
What Are the Best ATV Insurance Companies in Missouri?
There are a lot of options for ATV insurance in Missouri. How can you make the best choice?
The following are some of the best ATV insurance companies in Missouri. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers ATV insurance across all 50 states, including Missouri. Missouri residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including ATV insurance.
- Nationwide: Nationwide provides ATV insurance and other popular types of personal insurance coverage in Missouri. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers ATV insurance in Missouri, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
An independent insurance agent in your area can help you learn more about these and other Missouri ATV insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
Ready to Save On Insurance?
Our independent agents shop around to find you the best coverage.
Is ATV Insurance Required in Missouri?
ATV insurance functions much like motorcycle insurance but with one exception. Private ATVs are not permitted to drive on public roadways in Missouri, so insurance coverage is not required by the state.
If you own an ATV in Missouri, note that insurance could be required if you ride on someone else's property or in another state. Additionally, ATV liability coverage may be required at certain private trails and parks. Be sure to check on any requirements before you go out for a ride.
An independent insurance agent can help you make sure you're complying with all of the ATV insurance regulations in Missouri.
What Does ATV Insurance Cover in Missouri?
ATV insurance mostly mimics motorcycle insurance. A basic Missouri ATV insurance policy will likely provide the following types of coverage:
- Bodily injury liability coverage: Pays for injuries you cause to someone while riding your off-road vehicle.
- Property damage liability coverage: Pays for damage to someone else's property if you're at-fault for an accident.
- Collision coverage: Pays to repair or replace your ATV if you collide with another vehicle or object.
- Comprehensive coverage: Covers to repair or replace your ATV if it's damaged by a non-collision event, such as theft, vandalism, hitting an animal, fire, or severe weather.
- Medical payments coverage: Pays for medical bills for you and your passengers if you're in an accident with your ATV, regardless of fault.
There are also several types of optional coverage that you can add to your ATV policy, including the following:
- OEM coverage: Pays for original equipment manufacturer parts for your ATV if it needs repairs.
- Trailer coverage: Pays for repairs to the trailer you use to transport your ATV if it gets damaged.
- Equipment coverage: Pays for damage, repair, or replacement of your ATV's equipment if you purchased both collision coverage and comprehensive coverage already.
- Trip interruption coverage: Pays for food and lodging costs if you get stranded away from home while out on a ride.
- Roadside assistance coverage: Pays for a tow of your ATV if it breaks down 100 feet or less from the main road.
An independent insurance agent in Missouri can help you determine if any of these additional options are necessary for you.
What Does ATV Insurance Cost in Missouri?
You might spend anywhere from a few hundred dollars per year to several thousand on your Missouri ATV insurance. The cost depends on a variety of factors like the coverage you select and other factors such as:
- Your age
- Your driving record and any past claims
- Your location and where the ATV is garaged
- Where you intend to operate your ATV
- The make, model, age, and value of your ATV
- Safety classes you’ve taken
In most cases, ATV insurance in Missouri is cheaper than motorcycle insurance despite ATVs technically being covered under motorcycle policies by most carriers. This is because ATVs are generally used less and driven fewer miles than motorcycles, resulting in fewer accidents and claims.
What's more, ATVs don't have the power or speed of motorcycles, and they tend to be ridden in areas where there are not a lot of other vehicles or people to collide with.
It's always best to shop around when looking for the best price on Missouri ATV insurance. An independent insurance agent can get quotes from multiple insurance companies so you can choose the best option for your needs and budget.
How to Find the Best ATV Insurance Quotes in Missouri
Instead of getting an online quote for Missouri ATV insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
In addition, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Ready to Save On Insurance?
Our independent agents shop around to find you the best coverage.
Missouri ATV Insurance FAQs
ATV insurance is not required by law in Missouri. If you own an ATV in Missouri, make note that insurance could be required if you want to ride on someone else's property, or if you want to ride in another state.
What's more, ATV liability coverage may be required at certain private trails and parks. Be sure to check on any requirements before you go out for a ride.
ATV insurance in Missouri typically provides the following types of coverage:
- Property damage liability coverage
- Bodily injury liability coverage
- Comprehensive coverage
- Collision coverage
- Medical payments coverage
Depending on the type of ATV and its use, you may need various other types of optional coverage.
Homeowners insurance usually doesn't cover off-road vehicles. With very few exceptions, most homeowners insurance policies exclude damage to or theft of ATVs and other similar vehicles. Theft of your ATV also won't be covered by a car insurance policy. That's why it's best to purchase separate Missouri ATV insurance.
Your home insurance policy's personal liability coverage may provide some protection in specific circumstances if someone else is injured while riding an ATV on your property.
You might spend anywhere from a few hundred dollars per year to several thousand on your Missouri ATV insurance. The cost depends on a variety of factors like the coverage you select and other factors such as:
- Your age
- Your driving record and any past claims
- Your location and where the ATV is garaged
- Where you intend to operate your ATV
- The make, model, age, and value of your ATV
- Safety classes you’ve taken
Safeco, Progressive, Foremost Insurance Company, and Nationwide are some of the best ATV insurance companies in Missouri. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
Comparison shopping is the best way to make sure you're getting the best ATV insurance for your needs and budget.
A local independent insurance agent can help you find a competitively priced Missouri ATV insurance. Contact an agent in your area to begin comparing customized quotes.