All Terrain Vehicle Insurance
Hit the trails with a policy from Lafayette Insurance
We offer coverage for your off-road vehicle when riding trails or using it to work around the yard. Lafayette Insurance can provide you with liability only or physical damage if desired, similar to car insurance.
Prefer to talk? Call or text 765-474-2300.
ATV and UTV Insurance in Indiana
ATVs, UTVs, side-by-sides and dirt bikes are a big part of life in the rural areas around Lafayette, whether you use them for work on the farm, hunting, trail riding or just having fun on your property. Many homeowners policies offer little or no coverage for off-road vehicles, especially when they’re used away from home. An ATV policy fills that gap.
What ATV and UTV insurance can cover
- Liability – if you injure someone or damage their property while riding
- Collision – damage to your machine from a crash or rollover
- Comprehensive – theft, vandalism, fire, storms and animal collisions
- Uninsured motorist and medical payments – help with injuries to you and your passengers
- Accessories and custom equipment – winches, plows, lights, racks, cabs and more
- Trailer coverage – for the trailer you use to haul your machine, with many companies
Who needs ATV insurance?
If you ride on trails, at riding parks or on land you don’t own, many places require proof of insurance, and liability coverage is critical. Even if you only ride on your own land, an accident involving a friend, a neighbor or a child can lead to large medical bills and a lawsuit. If you use your ATV or UTV for farming, tell us. Farm use may be covered differently, and our farm insurance page explains more.
Saving on ATV and UTV coverage
Discounts may be available for safety courses, multiple vehicles and bundling with your motorcycle, auto or home policy. As an independent agency, we compare several companies to find the best value for how you ride. For extra liability protection, ask about an umbrella policy.
ATV insurance FAQs
Does my homeowners policy cover my ATV?
Sometimes, but usually only in a limited way, such as on your own property. Coverage off your property, or for injuries to others, is often excluded. We can review your homeowners policy and tell you exactly where you stand.
Are golf carts covered the same way?
Golf carts are often handled in a similar way, and coverage needs depend on where you drive them. Ask us about your golf cart when you get your ATV quote.
Can my teenagers be covered to ride?
Yes, with many companies, but every rider in the household should be listed. We’ll make sure your policy matches who actually rides.
Call or text 765-474-2300 or click “Get a free quote” at the top of this page.
What sets our ATV and UTV insurance companies apart
Companies we represent for ATV and UTV insurance include Progressive, Nationwide and Foremost. Each one has its own strengths, and these are some of the options available through them:
- Off-property coverage: Coverage follows your ATV, UTV or dirt bike away from home for camping, hunting and trail riding, where a homeowners policy may not cover it.
- Accessories: Add-ons like winches, plow blades and mower attachments can be covered.
- Trailers: Coverage is available for the trailer that hauls your off-road vehicle.
- Snowmobiles: Snowmobile coverage can go with you anywhere in the U.S. and Canada.
- Golf carts and low-speed vehicles: Golf carts and low-speed vehicles registered for road use can be insured at an agreed value.
Features, limits and availability vary by company and policy. Ask us which options fit you.
Our process
Compare Quotes from Lafayette Insurance
01. Provide Details
Tell us a little bit about what you are wanting to insure.
02. Discuss Coverages
We educate you on insurance coverages relevant to you.
03. Compare Quotes
We shop multiple companies to find the best rates and protection.
04. Pick Your Policy
Choose the insurance plan that works best for your individual needs.
Lafayette Insurance Reviews
What our Clients Say
★★★★★
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. It’s worth your time to give Lafayette Insurance a call.
Stacey Minier
★★★★★
Tremendous support from Joe Couch. He was readily-accessible, diligent, and a tremendous help through the process of switching policies. Would recommend to everyone.
Daniel Layman
★★★★★
Joe Sr. and Jr. are both professional and do the very best they can to get you the best deal possible. They have reached out to me to let me know of opportunities to decrease my rates before my terms were up so I could plan accordingly. They always answer when I text or call with a problem. Can’t say enough good things about this company or the people running it!
Jon Chapin
★★★★★
Very professional and responsive. After calling several agencies in the area, our quote was 15% lower than anywhere else!
Devon Moore
★★★★★
Joe Jr. looks out for you. Initially he had me with one insurance agency. 1 year in and upon finding a new deal, he contacted me, helped me save some money, and found a more reliant insurance company for my family’s vehicles. He is personable and offers good advice without trying to overexert influence. I have not had to deal with a wreck yet and working through a claim, but I will update this post if it happens.
Isaac Schumacher
★★★★★
They are very nice and will find the best deal for you. They also follow up with you in the future to better you in better insurance for less.
Jasen Shaver