New Jersey ATV Insurance
Get a full analysis of New Jersey 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 New Jersey
ATVs offer tremendous opportunities for fun and adventure. Whether you love the challenge of taking a 3-wheeler for a spin or riding a side-by-side, 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 New Jersey 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 New Jersey?
The following are some of the best ATV insurance companies in New Jersey. 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 New Jersey. New Jersey 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, in 50 states.
An independent insurance agent in your area can help you learn more about these and other New Jersey ATV insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
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Is ATV Insurance Required in New Jersey?
ATV insurance is not required in New Jersey because ATVs are technically not allowed on public roads and are, therefore, exempt from any insurance regulations. However, state-owned ATV parks have been cropping up in recent years and are considered public roads. So, if you plan to legally ride there, you'll need to have ATV insurance.
An independent insurance agent can help you make sure you're complying with all of the ATV insurance regulations in New Jersey.
What Does ATV Insurance Cover in New Jersey?
ATV insurance mostly mimics motorcycle insurance. A basic New Jersey 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 repairing or replacing 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 New Jersey can help you determine if any of these additional options are necessary for you.
What Does ATV Insurance Cost in New Jersey?
You might spend anywhere from a few hundred dollars per year to several thousand on your New Jersey 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 New Jersey 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 New Jersey ATV insurance. An independent insurance agent can get quotes from multiple insurance companies, so you can choose the best choice for your needs and budget.
How to Find the Best ATV Insurance Quotes in New Jersey
Instead of getting an online quote for New Jersey 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.
What’s more, 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.
New Jersey ATV Insurance FAQs
ATV insurance is not required in New Jersey because ATVs are technically not allowed on public roads and are, therefore, exempt from any insurance regulations. However, state-owned ATV parks have been cropping up in recent years and are considered public roads. So, if you plan to legally ride there, you'll need to have ATV insurance.
ATV insurance in New Jersey typically provides the following types of coverage:
- Property damage liability coverage
- Bodily injury liability coverage
- Comprehensive coverage
- Collision coverage
- Medical payments coverage
There are a variety of other types of optional coverage that you may need, depending on the type of ATV and how it will be used.
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 New Jersey 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 New Jersey 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
Progressive and Foremost Insurance Company are a few of the best ATV insurance companies in New Jersey. 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 competitively priced New Jersey ATV insurance. Contact an agent in your area to begin comparing customized quotes.