All-terrain vehicles are great to have in Texas, especially when you have access to acres upon acres of private land for farming, hunting, fishing, or simply exploring. Texas requires that ATVs be registered to the state, and any registered vehicles that are driven on public lands need to adhere to the state minimum standards for liability insurance. If you are driving your ATV outside of your own lands, or private land you have permission to drive on, you need coverage.
ATV insurance comes in the same types that your typical car insurance do, with liability insurance covering any claims made against you for injuring someone or damaging property. You can also get comprehensive and collision coverage that handles damage and other types of losses inflicted on your ATV.
If you are solely operating on private land with your ATV, look into adding coverage through your homeowners insurance policy. Some home insurance policies allow you to add in ATV insurance since any accidents would take place on your own property. This insurance isn't automatically included in a homeowners policy, however, so ensure that you get specific coverage for this situation.
ATV insurance is not particularly expensive compared to other types of vehicle insurance, since they aren't intended to drive on the highway. This lowers their risk factors compared to a vehicle such as a motorcycle, which helps to keep the insurance costs reasonable. The amount that it costs is dependent on factors such as your overall driving record, your credit score, and where in Texas you're picking up the insurance.
Need help deciding what works best for you? Talk to our independent insurance agents in the Texas area for help on deciding the coverage level for your ATV. Our free online quote system lets you get premium estimates without needing to call in.