Best Auto Insurance for Off-Road Vehicles in 2024 (Top 10 Companies Ranked)
Geico, Allstate, and USAA have the best auto insurance for off-road vehicles. Geico's minimum average rate for off-road vehicles is $20/mo. Even off-road vehicles and ATVs need to carry auto insurance. Check with your provider to make sure your policy covers off-road trips, or buy a separate policy.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Full Coverage for Off-Road
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,413 reviewsCompany Facts
Full Coverage for Off-Road
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
6,435 reviewsCompany Facts
Full Coverage for Off-Road
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviewsGeico, Allstate, and USAA have the best auto insurance for off-road vehicles.
Off-road adventurers need to make sure their policies have adequate coverage in place when they head down trails that present major risks to a vehicle and even passengers. Otherwise, all the burdens of cost could end up on the shoulders of the vehicle’s owner.
Our Top 10 Company Picks: Best Auto Insurance for Off-Road Vehicles
| Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 22% | A++ | Low Rates | Geico |
 | #2 | 15% | A+ | Comprehensive Plans | Allstate |
 | #3 | 10% | A++ | Military Families | USAA |
 | #4 | 15% | B | Reliable Service | State Farm |
 | #5 | 20% | A+ | Custom Coverage | Progressive |
 | #6 | 15% | A | Customer Service | Farmers |
 | #7 | 20% | A+ | Accident Forgiveness | Nationwide |
 | #8 | 12% | A | Flexible Coverage | Liberty Mutual |
 | #9 | 15% | A | Personalized Service | American Family |
 | #10 | 10% | A++ | Extensive Discounts | Travelers |
Read on to learn more about the best off-road vehicle insurance and how to get cheap car insurance for off-road vehicles. Compare car insurance quotes today to find the coverage you need for the best price.
- Geico has the best insurance for off-road vehicles
- An auto insurance policy might not automatically include off-road coverage
- ATV and other specialty vehicles may need separate insurance policies
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#1 – Geico: Top Pick Overall
Pros
- Low Rates: Geico has low rates for most off-road vehicles, provided drivers have a clean driving record.
- Deductible Options: Deductibles can changed by customers to adjust off-road coverage rates. Read more in our Geico review.
- Online Management: Customers can change most things on their off-road insurance policy online.
Cons
- Agent Availability: Geico lacks local agents, so in-person representation isn’t available.
- Claim Handling: Off-road claims may be processed more slowly.
#2 – Allstate: Best for Comprehensive Plans
Pros
- Comprehensive Plans: Allstate is good for those who want comprehensive off-road plans. Learn more by reading our Allstate review.
- Online Convenience: Claims and changes to off-road policies can be made from Allstate’s app.
- Claim Satisfaction Guarantee: Unsatisfied customers may get a discount.
Cons
- Customer Reviews: Allstate has more complaints than most companies.
- High-Risk Rates: Bad drivers will be charged much more for off-road insurance.
#3 – USAA: Best for Military Families
Pros
- Military Families: USAA is the best provider for military or veteran families. Learn more in our USAA review.
- Customer Service: USAA has positive reviews based on its customer service.
- Discount Opportunities: There are plenty of ways to save on car insurance for off-road vehicles at USAA.
Cons
- Eligibility Requirements: Exclusively sold to military or veteran families.
- Office Availability: Very few physical branches are available.
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#4 – State Farm: Best for Reliable Service
Pros
- Reliable Service: State Farm’s service is reliable, in part thanks to local agent availability.
- Discount Variety: Discounts can be applied to off-road coverages to lower rates.
- Coverage Variety: Off-road vehicles can be fully protected with add-ons. For more details, read our State Farm review.
Cons
- Financial Ratings: State Farm’s financial strength rating is average.
- Policy Purchases: All purchases must be finalized through a State Farm agent.
#5 – Progressive: Best for Custom Coverage
Pros
- Custom Coverage: Progressive’s coverages are customizable. Read more in our Progressive review.
- Snapshot Discount: Snapshot is a good driver discount program by Progressive.
- Repair Shop Network: There is a list of trusted repair shops vetted by Progressive.
Cons
- Snapshot Rate Increases: Off-road vehicle rates can increase if Snapshot scores customers poorly.
- Customer Service: Customer service responsiveness and claims processing are sometimes rated poorly.
#6 – Farmers: Best for Customer Service
Pros
- Customer Service: Most customers seem satisfied with services. Learn more in our Farmers review.
- Customizable Coverage: Change deductibles on off-road coverages easily.
- Discount Variety: A few different discounts can be applied to off-road car insurance.
Cons
- Online Tools: Online functions may not be as convenient at Farmers.
- Accident Forgiveness: It’s harder to qualify for forgiveness at Farmers compared to at other companies.
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#7 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: The accident forgiveness plan at Nationwide is great for safe drivers.
- Bundling Discount: Reduces auto insurance rates further by bundling. Find out more in our Nationwide review.
- Roadside Assistance: Useful if your off-road vehicle needs a tow or a quick battery jump.
Cons
- Online Management: Tools may not be as convenient for managing policies at Nationwide.
- Customer Service: Nationwide has decent ratings, but it could still improve based on reviews.
#8 – Liberty Mutual: Best for Flexible Coverage
Pros
- Flexible Coverage: Coverage flexibility can be a plus for some off-road vehicle owners.
- 24/7 Support: Liberty Mutual can be reached 24/7. Read more in our review of Liberty Mutual.
- Roadside Assistance: Useful if your off-road vehicle needs a tow.
Cons
- Customer Service: Customer service is provided virtually, not through local agents.
- Discount Availability: Not all states will carry all of the discounts listed.
#9 – American Family: Best for Personalized Service
Pros
- Personalized Service: American Family’s local support offers a personalized touch on customer service.
- Accident Forgiveness: American Family’s program for accident forgiveness is a cost saver for good drivers.
- Coverage Options: See what off-road vehicle owners can purchase in our American Family review.
Cons
- Availability: American Family isn’t as widespread as most companies.
- Bad Driver Rates: Drivers with DUIs, multiple at-fault accidents, and other serious driving record issues will have higher rates.
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#10 – Travelers: Best for Extensive Discounts
Pros
- Extensive Discounts: Save on off-road insurance with extensive discounts.
- 24/7 Support: Off-road policy owners have access to constant support. Learn more in our Travelers review.
- Coverage Options: Customize off-road insurance easily with add-ons.
Cons
- Customer Reviews: Based on the ratings and reviews on several sites, Travelers could improve.
- Claims Processing: Customers have complained about slower wait times.
Cost of Off-Road Insurance Coverage
How much is off-road insurance? The cost of off-road vehicle insurance coverage partly depends on what company and coverage level you pick.
Off-Road Vehicle Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $27 | $80 |
| American Family | $30 | $88 |
| Farmers | $29 | $85 |
| Geico | $20 | $70 |
| Liberty Mutual | $26 | $79 |
| Nationwide | $22 | $72 |
| Progressive | $23 | $74 |
| State Farm | $25 | $75 |
| Travelers | $28 | $82 |
| USAA | $24 | $73 |
Your rates will also vary based on the car insurance discounts you qualify for.
Multi-policy discounts often save drivers the most on car insurance.
Off-Road Coverage Explained
Off-road vehicle drivers frequently enjoy treks on routes beyond the major local highways and streets. Hunting, fishing, hiking, and mountain climbing excursions may require driving down a dirt road. Doing so can be fun as long as the driver is very careful.
Even the best safety measures sometimes fall short. What happens, though, if the vehicle collides with a rock or tree? While plenty of research exists, including tips for buying insurance, a person may not consider whether that research applies to buggies, dirt bikes, ATVs, or other off-road vehicles.
Read more: Understanding Your Car Insurance Policy (Complete Guide)
Does insurance cover off-roading? Most will look to their insurance company to pay for the damage, but the company may point out that the vehicle was never covered for off-road adventures.
Drivers tend to purchase car insurance policies without examining all the important points associated with the coverage.
There is a reason why insurance providers mail out that multi-page copy of the full policy. All the details about what liabilities are covered are in there along with exclusions.
Anything that can happen on the main road has a corresponding counterpart on a dirt road or less-traveled route. Deer road crossings don’t just happen on highways. If an animal jumps in front of a vehicle and causes a collision, the right insurance has to be in place.
Learn more: Will my car insurance go up if I hit a deer with my car?
Anyone who wishes to take a “traditional” vehicle into rural or off-road regions does need to be sure the proper insurance is in place. If not, then a rider should be added to the policy.
Certain policies may automatically cover off-road excursions. Other policies will not unless a rider is added.Dani Best Licensed Insurance Producer
Comparison shopping is vital when trying to maximize off-road coverage for a vehicle.
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One particular insurance company might not cover off-road journeys under any circumstances. Another company might not have any problems with this type of coverage.
Adding Off-Road Accessories
Vehicles traveling in off-road environments likely need a number of additional accessories added to a vehicle in order to improve safety and performance.
Added items may be damaged in an accident. These items include:
- Extra lights
- Winches
- Added body protection
Do not assume the accessories are automatically covered by a policy. Double-check to make sure.
Off-road accessories can be expensive to purchase and, possibly, more expensive to replace. Boosting insurance to cover the costs of damage to such accessories would be a wise investment.
Off-Road Vehicle Insurance for ATVs and More
A number of unique vehicles are designed mainly for the purpose of off-road adventuring. This type of coverage takes the form of off-road vehicle insurance designed as a separate policy intended to cover an ATV or UTV vehicle.
These policies can be purchased alone or they may be added onto a current existing auto policy. Purchasing such a policy is necessary in order to provide a reliable amount of insurance coverage. You can get quotes directly from the best companies like Geico or use a quote comparison tool.
Take all aspects of possible insurance coverage seriously. Droppings might seem like an easy way to save money until the vehicle ends up stolen.
Be sure to read all the clauses in these policies as well. Sometimes, the policy may only cover actual off-road environments.
A common error so many people make is they rush through the process of purchasing an insurance policy – car, homeowner’s, off-road vehicle, and more – in order to get some coverage in place. Rushing comes with the risk of not acquiring the right coverage or enough coverage at all.
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Injury Risks with Off-Road Vehicles
Harrowing video footage appears now and then showing accidents people have suffered driving an ATV.
Hitting a proverbial bump in a road could lead to an ATV flipping over. The person driving the ATV could be injured in the accident. The following are some questions that could lead to a “bump in the road.”
- What if the person driving the ATV was not the owner?
- What if it was the son or daughter of the owner?
- What if the driver was a friend who was “lent” the ATV to drive around off-road?
In all instances here, a quality insurance policy would absolutely be beneficial to the owner.
Learn more: Does car insurance cover passengers?
Not having the right insurance – or no insurance – could prove disastrous.
State Rules and Off-Road Vehicles
The law varies from state to state. In one state, it may be fine to drive a vehicle without insurance on any private property. Once the vehicle goes out on the road, there may be a necessity to procure coverage for the ATV under standard auto insurance,
This insurance would be in addition to any insurance the person may have to cover losses and liabilities on private land.
Learn more: Minimum Car Insurance Requirements by State
Driving an off-road vehicle on a public road without insurance might lead to the owner getting more than a citation. He or she may be charged with a misdemeanor for doing so. Not knowing the law is not a valid defense.
Do the proper legal research in regard to the state in which the vehicle is intended to be driven.
The Final Word on the Best Insurance for Off-Road Vehicles
Hopefully, there will never be a need to file a claim on a multipurpose or off-road exclusive vehicle. Accidents, collisions, and injuries, sadly, do happen without warning.
For this and other reasons, drivers positively should have the most extensive and reliable off-road vehicle insurance coverage in place and make sure they have the right types of coverage on their vehicle (learn more: Car Insurance by Coverage Types). Otherwise, the financial risks and legal ramifications could prove earth-moving.
Want to find the best off-road insurance today? Compare rates to find the off-road truck insurance you need for the best rate.
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Frequently Asked Questions
What is considered an off-road vehicle?
Off-road vehicles typically include recreational vehicles designed for off-road use, such as all-terrain vehicles (ATVs), dirt bikes, dune buggies, snowmobiles, and golf carts. These vehicles are primarily used for recreational purposes and are not intended for regular road use.
Do I need insurance for my off-road vehicle?
The requirement for insurance coverage on off-road vehicles varies depending on your location and how you use the vehicle. Some states or jurisdictions may not require insurance for off-road vehicles if they are operated exclusively on private property. However, it’s important to check with your local authorities to understand the specific regulations for off-the-road car insurance in your area.
What types of insurance coverage are available for off-road vehicles?
Insurance coverage options for off-road vehicles may include liability car insurance coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. These coverage types can provide financial protection in case of accidents, theft, damage, or injuries involving your off-road vehicle.
Can I use my off-road vehicle on public roads?
In most cases, off-road vehicles are not permitted to be driven on public roads due to safety concerns and the vehicle’s design. However, there may be certain exceptions or special provisions in certain areas that allow limited road use. It’s crucial to review your local laws and regulations regarding off-road vehicles’ usage on public roads.
How does liability coverage work for off-road vehicles?
Liability coverage for off-road vehicles typically helps protect you if you cause property damage or bodily injury to someone else while operating your vehicle. It may cover the costs of repairs or medical expenses for the other party involved in the accident, up to your policy’s limits.
Is physical damage coverage necessary for off-road vehicles?
Physical damage coverage, such as collision and comprehensive coverage, is optional for off-road vehicles in most cases (learn more: Collision vs. Comprehensive: What is the difference?). However, if you want financial protection for damage to your off-road vehicle caused by collisions, theft, vandalism, or other covered perils, it’s recommended to consider adding this coverage to your policy.
Can I insure my off-road vehicle under my auto insurance policy?
Some auto insurance providers may offer coverage for off-road vehicles as an endorsement or separate policy. It’s best to contact your insurance company to inquire about the available options for off-road driving insurance. Alternatively, you may need to seek specialized insurance providers who specifically cater to off-road vehicles.
How is the insurance premium determined for off-road vehicles?
Factors that affect car insurance rates include the type of vehicle, its value, the coverage options selected, your location, your driving history, and the frequency and purpose of use. Insurance companies may also consider factors such as your age and the number of riders to assess the risk associated with insuring your off-road vehicle. Find quotes for off-road insurance today by entering your ZIP in our free tool.
Are there any discounts available for off-road vehicle insurance?
Some insurance companies may offer discounts for insurance for cars that are off the road, similar to the discounts available for auto insurance. These discounts may include multi-vehicle discounts, safe driving discounts, bundling discounts, or discounts for completing approved safety courses. It’s advisable to check with your insurance provider to explore any potential discounts you may qualify for.
What should I do if my off-road vehicle is stolen?
If your off-road vehicle is stolen, you should immediately report the theft to the police and inform your insurance company. Provide them with all the necessary details and documentation, such as the police report. Your insurance company will guide you through the claims process and assist you in recovering the value of your stolen vehicle based on your policy’s terms and conditions.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
