ATV Insurance – Ride Protected with Chuck Mason Insurance

Coverage That Goes the Distance

At Chuck Mason Insurance, we understand the thrill and freedom that come with owning an ATV. Whether you’re blazing new trails, working on your property, or exploring with family, your all-terrain vehicle deserves the same level of protection as your car or truck. That’s why we offer comprehensive and affordable ATV insurance policies tailored to your lifestyle.

What Does ATV Insurance Cover?

Your ATV may not be street-legal, but it’s still vulnerable to accidents, theft, and liability risks. Our ATV insurance policies provide flexible options, including:

  • Collision Coverage – Pays for damage to your ATV from a collision with another vehicle or object.
  • Comprehensive Coverage – Covers non-collision-related events like theft, fire, vandalism, and weather damage.
  • Liability Coverage – Protects you financially if you're responsible for injuries or property damage to others while operating your ATV.
  • Uninsured/Underinsured Motorist Coverage – Safeguards you if you're hit by someone who doesn't have adequate insurance.
  • Medical Payments Coverage – Helps with medical expenses for you and your passengers after an accident.
A man and a woman are riding an atv over a wooden bridge.

Why You Need ATV Insurance

Even if your ATV isn’t driven on public roads, accidents can still happen—on trails, on your own land, or during transportation. Homeowners policies typically provide little to no coverage for recreational vehicles, especially off your property. A specialized ATV policy ensures you're protected where general policies fall short.

Two people are riding atvs in the desert.

Who Needs ATV Insurance?

We insure a wide range of all-terrain vehicles, including:



  • Utility ATVs
  • Side-by-Sides (UTVs)
  • Four-wheelers
  • Recreational trail vehicles
  • Youth ATVs
  • Whether you’re a weekend warrior or a daily ranch rider, we’ve got a policy that fits.

Get a Free Quote Today

Ready to hit the trails with confidence? Contact Chuck Mason Insurance today to speak with a local agent and get a free ATV insurance quote. We'll help you explore your options, compare rates, and choose the protection that’s right for you.