Affordable Off-Road Vehicle Insurance Quotes

Every terrain covered

What types of off-road vehicles can I insure?

From ATVs and dirt bikes to lifted trucks and dune buggies, Orbit finds the right coverage for your off-road adventure — whatever you're riding.

ATVs

All-terrain vehicles are popular for off-road adventures. Ensure you have coverage for accidents, damage, and liability while exploring rugged trails and rough terrain.

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UTVs / Side-by-Sides

Utility task vehicles are versatile for both work and recreation. Insurance covers damage, theft, and liability — especially useful for off-road tasks and extreme conditions.

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Dirt Bikes

Fast and agile, dirt bikes need insurance to cover liability, accidents, and damage while riding through trails, motocross tracks, and tough off-road environments.

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Dune Buggies

Perfect for sand dunes and rough terrain, dune buggies require specialized coverage for engine protection, accidents, and the unique risks of off-road driving.

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Off-Road Trucks

Lifted trucks built for off-road adventures need coverage for damage, liability, and repairs — especially for rock crawling, trail driving, and custom modifications.

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Rock Crawlers

Built for extreme rock climbing, rock crawlers require insurance to cover custom modifications, potential damages, and liability while navigating the most challenging terrain.

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Sand Rails

Designed for sand dunes, sand rails need coverage for their unique construction, engine damage, and the risks of high-speed off-road riding.

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Standard Auto

Need coverage for your daily driver too? Our agents can pair your off-road policy with the right auto insurance so everything you own is properly protected.

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Why Orbit

Why Orbit is the best choice for off-road vehicle insurance

Competitive Rates

We shop multiple carriers so you get the best rate for your off-road vehicle without sacrificing the protection your adventures demand.

Off-Road Expertise

Our licensed agents understand the unique risks of off-road riding and can guide you to the right coverage for your vehicle type and usage.

With or Without a License

Coverage options available regardless of license status. Our agents will find a policy that gets you properly covered for your terrain.

Any Credit Welcome

Good credit, bad credit, or no credit — your off-road insurance rate is built around your specific situation, not just a score.

Online, Phone, or In-Person

Get your off-road vehicle insured however you prefer — from home, over the phone, or face-to-face with a local agent.

Talk to an off-road expert today

A real agent is ready to help you find the right coverage for your ATV, UTV, dirt bike, or truck — no pressure, just answers.

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Coverage options

What coverages can I get for my off-road vehicle?

Off-road vehicle insurance goes beyond standard auto. Here are the key protections to consider for your vehicle and adventures.

Liability Coverage

Covers medical injuries and property damage you cause to others while operating your off-road vehicle — required in many states for street-legal ORVs.

Collision Coverage

Pays for repair costs if your off-road vehicle is damaged in a collision with another vehicle or object, regardless of who is at fault.

Comprehensive Coverage

Protects against non-collision losses — theft, fire, vandalism, natural disasters, and wildlife collisions while riding on any terrain.

Custom Parts & Equipment

Covers aftermarket parts and custom modifications — lift kits, winches, light bars, and other enhancements — that standard policies may not include.

Towing & Recovery

Covers the cost of towing and recovery if your off-road vehicle gets stuck or breaks down in the field, so you're never stranded far from the trail.

Uninsured Motorist Coverage

Pays for your damages and injuries if an uninsured or underinsured driver causes an accident involving your off-road vehicle.

The basics

What is off-road vehicle insurance?

Off-road vehicle insurance is specialized coverage designed to protect vehicles used on unpaved terrains — such as ATVs, UTVs, dirt bikes, and dune buggies — from damage, theft, and accidents during activities like trail riding and competitive events. It helps preserve the policyholder's financial stability in the event of an accident, total loss, fire, theft, or other unforeseen situations that standard auto insurance simply doesn't cover.

Typical coverage options include liability, collision, and comprehensive coverage. Liability coverage pays for damages and injuries you cause to others in an at-fault accident. Collision coverage pays for repairs to your own vehicle. Comprehensive coverage protects against non-collision events like theft, vandalism, and extreme weather. Many policies also offer add-ons for custom parts, towing, and recovery — so your entire investment stays protected wherever you ride.

Good to know

Frequently asked questions about off-road vehicle insurance

Off-road vehicles do require insurance. Vehicles like ATVs, dirt bikes, and UTVs carry real risks — crashes, vehicle damage, injuries to others. Insurance helps cover those expenses and is legally required in some states and on certain public lands.

Yes — specialized off-road vehicle insurance addresses the unique risks of rough terrain and recreational use. Without it, a single accident or theft could leave you with significant out-of-pocket costs. The peace of mind alone makes it worth the premium for most riders.

Comprehensive coverage can apply to off-road vehicles and typically covers theft, vandalism, natural disasters, and non-collision events. However, your policy must explicitly include off-road usage to avoid coverage gaps — always confirm this with your agent before riding.

Costs vary based on your vehicle type, coverage options, riding history, and location. Basic liability coverage for ATVs typically ranges from around $80 to $135 per month. Adding collision and comprehensive coverage increases the premium but provides much broader protection. Riders with a clean history generally pay less.

Many policies offer a custom parts and equipment (CPE) add-on that covers aftermarket modifications like lift kits, skid plates, winches, and light bars. Standard policies often exclude these, so it's important to ask your agent about CPE coverage when setting up your policy.

Yes — even if you only ride on private property, off-road vehicle insurance is still valuable. Accidents, theft, and equipment damage can happen anywhere. Some policies are specifically designed for recreational riders who stay off public roads. Speak with an agent to find a plan that matches your usage.

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