engineering insurance

ATV And Powersport Insurance in California

✆ Call An Agent Now ➜

8:30am - 5:00pm Mon-Fri

Request an Assessment

We'll Reply in 15min*

If you own an all-terrain vehicle (ATV), you should consider getting insurance to protect yourself financially in case of an accident. ATV insurance is similar to motorcycle insurance and covers different types of damages and liabilities. The average annual cost of ATV insurance is $88 for liability only and $327 for comprehensive coverage.


ATV insurance is not mandatory in California, but it may be required if you want to use your vehicle on public lands or trails. Some states also have laws that require you to have insurance if you ride your ATV on private property that does not belong to you.


Powersport insurance is similar to ATV insurance but covers a wider range of recreational vehicles like snowmobiles, dirt bikes, and personal watercraft. It’s typically more expensive than ATV insurance but can provide more comprehensive coverage.


We are a Trusted ATV & Powersports Insurance Agency in California


When you work with an independent agency like Western Insurance Marketing Corporation, you can be sure that you’re getting the right coverage at the best rates. We have access to many different policies and can customize a coverage plan according to your needs.


At Western Insurance, we are dedicated to helping you find the best insurance for your ATV or powersport. We offer competitive rates and a friendly customer service team who will be there to answer all your questions and help you choose the right coverage.


Call us today or fill out our online contact form to get a free quote on ATV and powersports insurance in California. We look forward to hearing from you!

Common Risks Associated with ATVs and Powersports


ATV accidents cause over 100,000 injuries and 700 fatalities annually in the US. In California alone, 794 people died from ATV-related incidents in the span of three years from 2015 to 2017.


The following are some of the most common risks associated with ATVs and powersports:


  1. Collisions with other vehicles or objects – This risk is especially high when ATVs are operated on public roads and highways.
  2. Theft or vandalism – ATVs and powersports are a popular target for thieves due to their relatively high market value.
  3. Poor weather conditions – ATVs and powersports are not designed to be operated in bad weather and can be easily damaged when exposed to heavy rain, snow, and ice.
  4. Operator error – ATVs and powersports require drivers to be aware of their surroundings at all times and to use caution when operating the vehicle.
  5. Equipment failure – ATVs and powersports may be susceptible to mechanical or electrical failure, which can lead to serious accidents.


At Western Insurance, we understand the risks associated with ATV and powersport vehicles, and we are here to provide you with the coverage you need to protect yourself financially.

How Does ATV and Powersport Insurance Work in California?


If you buy insurance for your ATV or Powersport in California, your insurance company will give you a policy that includes information about your coverage and other relevant details. Generally, ATV and Powersports insurance covers damages to the vehicle itself as well as liability for any property damage or bodily injury you may cause in an accident.



Your policy will also include a network of repair shops that specialize in powersports repairs. These shops offer discounts to policyholders who have their repairs covered by insurance.

Forms of Coverage Offered by California ATV and Powersport Insurance


Each policy is different, but ATV and Powersports insurance typically includes the following forms of coverage:


Liability Coverage


This coverage protects you from the financial consequences of causing bodily injury or property damage to others while operating your ATV or Powersport vehicle. It covers the legal fees and settlement costs if you are sued for an accident. Liability coverage is required by law in California for all ATV and powersport owners who use their vehicles on public lands or trails.


Collision Coverage


This coverage pays for the repair or replacement of your ATV or Powersport vehicle if it is damaged in a collision with another vehicle or object. Collision coverage comes in handy when your vehicle is damaged by an accident or vandalism.


Comprehensive Coverage


Comprehensive coverage pays for the repair or replacement of your ATV or powersport vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism, flood, or animal. Comprehensive coverage is optional, but it may also be required by your lender if you have a loan on your vehicle.


Uninsured/Underinsured Motorist Coverage


This coverage pays for your medical expenses and lost wages if you are injured by a driver who has no insurance or not enough insurance to cover your damages. It also covers the damage to your ATV or powersport vehicle caused by an uninsured or underinsured driver. Uninsured/underinsured is highly recommended to protect yourself from the risk of uninsured drivers on the road.


Medical Payments Coverage


Medical payments coverage pays for your medical expenses regardless of who is at fault for an accident involving your ATV or powersport vehicle. It covers you and your passengers up to a certain limit per person per accident. Medical payments coverage is optional, but it can help you avoid paying out-of-pocket for medical bills after an accident.


Custom Parts and Equipment Coverage


This coverage pays for the repair or replacement of any custom parts and equipment that you have added to your ATV or powersport vehicle, such as stereo systems, chrome accessories, performance enhancements, or trailers. When you purchase ATV or powersport insurance in California, be sure to ask your agent about this coverage and make sure it is included in your policy.

Common Exclusions for California ATV and Powersport Insurance


Most ATV and powersport policies exclude certain types of coverage, including:


  • Racing or stunt activities
  • Damage caused by wear and tear or mechanical breakdown
  • Intentional acts of destruction or vandalism
  • Damage caused by the use of the vehicle off-road
  • Damage resulting from an act of nature or disaster


A good California ATV and Powersports insurance policy should provide comprehensive coverage and financial protection while you enjoy your vehicle. Be sure to read your policy carefully signing and understand what is covered and what is excluded.

Will My California Homeowners Insurance Policy Cover My ATV or Powersport Vehicle?


No. Most homeowners’ insurance policies do not provide coverage for ATV or powersports vehicles. Be sure to purchase an ATV or powersport policy from a specialized insurer to make sure you are properly protected.

Do I Need California ATV and Powersports Insurance?


Yes, it is important to have adequate insurance coverage for your ATV or powersport vehicle in California for both legal and financial protection. The cost of repairing or replacing your vehicle after an accident can be substantial, and the financial burden can be overwhelming if you are not covered.

The Cost of California ATV and Powersports Insurance


The cost of ATV and powersport insurance in California varies depending on the type of policy you choose, your age, driving record, where you live, and other factors. To find out what a specific policy will cost you, be sure to get quotes from several different insurers.


Comprehensive policies usually cost more than liability-only policies. However, a comprehensive policy provides additional protection in the event of theft, vandalism, or other non-collision related damages.



Younger and inexperienced drivers may pay more for ATV and powersport insurance due to their higher risk of accidents. Similarly, riders with poor driving records may incur higher premiums.

The Best Way to Save Money on ATV and Powersport Insurance in California


  • Maintain a clean driving record - The lower your risk of accidents, the lower your premium will be.
  • Take a safety course - Many insurers offer discounts for ATV and powersport riders who have taken a safety training or refresher course.
  • Combine policies - Some insurance companies may offer a discount if you combine multiple policies, such as ATV/powersports and auto insurance.
  • Increase your deductible - Raising your deductible is one of the easiest ways to reduce your premium costs.
  • Make sure you only pay for what you need - Customize your coverage to make sure you are not paying for unnecessary items.
  • Compare quotes from different insurers - Shop around and quotes from several different insurers to make sure you are getting the best deal.
  • Ask about discounts - Inquire with your insurer about any applicable discounts, such as a multi-vehicle discount or good driver discount.

Get The Best Rates on California ATV and Powersport Insurance


Here at Western Insurance Marketing Corporation, we understand the importance of finding the right ATV and Powersports insurance coverage in California. 


Our team of experienced agents will help you compare policies from top-rated insurers and customize a policy that meets your needs and budget. 



Contact us today to get started on your customized insurance policy!

REQUEST A QUOTE

Speak with a CA ATV And Powersport Insurance specialist today!

Get started today!

Prefer to speak with an agent now?

Contact Us

Share by: