ATV Insurance
Hit the Trails with ATV Insurance
ATV insurance protects you and your all-terrain vehicle from accidents, theft, and damage while exploring trails, fields, or off-road adventures.
Western Financial Group is an award-winning brokerage. Our car insurance experts will get you ATV insurance that lets you ride protected.
Our expertise will benefit you
We are skilled insurance shoppers. We work with Canada’s leading insurance partners to get you the right coverage to protect your all-terrain vehicle (ATV) at the right value for you.
The cost of ATV insurance depends on
- The type of ATV you own
- Where you store your ATV when it’s not in use
- When and where you will use your ATV
- Who will be driving your ATV
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What you need to know
All-terrain vehicle (ATV) insurance is separate coverage from your car insurance.
Your homeowner’s insurance typically will not provide coverage when you take your off-road vehicle off your property.
Minimum insurance requirements differ among provinces, but you may be required to have minimum liability insurance for your province or territory. You’ll need to check this.
Ask about the possibility of a discount on your ATV insurance.
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Depending on where you live, ATV insurance can include:
Vehicle damage: This coverage helps protect your all-terrain vehicle from such things as collisions, fire, and theft.
Third-party liability: Helps protect you financially if you injure someone or cause damage to another person’s property or vehicle while riding your ATV.
Accident benefits: If you’re injured in an accident, this coverage helps to replace lost income or pay for medical and other expenses not covered by government health insurance.
Uninsured Motorists: This coverage provides benefits to you or your family if you’re injured or killed by an uninsured or unidentified driver.
Why Choose Western
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ATV insurance FAQs for Canadians ATV Owners
Yes, in most provinces, you need at least liability coverage if you ride on public land or roads.
Yes, most policies cover off-road riding on private property and approved trails, but always confirm that your terrain is included.
Yes. If your ATV is operated on public land or roads without insurance, you may face fines, license suspension, or legal liability for any damages or injuries caused. Even off-road, riding without insurance leaves you personally responsible for accidents, theft, or damage.
Standard policies usually include:
- Liability: injury or property damage to others
- Collision: damage to your ATV from accidents
- Comprehensive: theft, fire, vandalism, or natural events
- Optional coverage: personal gear, custom parts, or trailers
Yes, most policies include coverage while transporting your ATV on a trailer, but confirm your policy limits and conditions.
Combining your ATV policy with your home or auto insurance can save you 10–25%.
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