Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • Large numbers of people enjoy Off-Road Vehicles (ORVs) for work and for play
  • In many areas, ORVs are required to carry car insurance coverage
  • Owners of ORVs who need car insurance coverage can save money by using car insurance comparison shopping websites

While most of the drivers on the road make use of public highways, a number of these drivers enjoy operating ORVs. These ORVs vehicles may be used in wilderness areas, on private property, or even on public roads for short periods of time.

Wherever ORVs are being operated, these vehicles will often need car insurance coverage for both the vehicles and their operators.

These ORVs and their drivers face special operating conditions, and thus sometimes need special car insurance coverage.

Make sure you have the proper insurance coverage in place for the best price. Compare car insurance quotes today by using our free rate tool.

Car Insurance Considerations for Off-Road Vehicles


Off-Road Vehicles can be defined as vehicles that are capable of operating on paved or unpaved roadways. There are many kinds of ORVs in operation, including:

  • ATVs
  • Enduro motorbikes
  • Snowmobiles
  • Golf carts
  • Jeeps
  • Hummers
  • Modified pickup trucks
  • Dune buggies

Even though there are a wide variety of vehicles that qualify as ORVs, buying car insurance for these vehicles can often actually be cheaper than buying insurance for regular road-worthy vehicles.

This low cost is partly due to the fact that ORVs may rarely or never travel on public roadways, and thus may never encounter other vehicles.

Since they may not have an opportunity to encounter other cars, there is little likelihood that ORVs will actually get into accidents with other vehicles, and this can allow some ORV owners to forgo expensive car insurance coverage options.

Most ORVs are much less expensive than the average car on the road. Because ORVs cost less to purchase, they cost less to fix and therefore cost less to insure.

ORV owners should keep these factors in mind if and when they decide to buy car insurance coverage. If a given ORV is unlikely to be used in the vicinity of other people or property, the owner of such a vehicle may be able to forgo many policy items and thus save cash.

In addition to this, ORV owners can save even more cash by making use of car insurance comparison shopping websites.

These organizations make it easy for their visitors to find information about large numbers of car insurance providers and can save car insurance shoppers countless hours of online searching as well as significant amounts of cash.

FREE Car Insurance Comparison

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Car Insurance Coverage Options for Off-Road Vehicles

It should be noted that some states place no car insurance requirements on owners of ORVs, and in effect leave such owners to their own devices if the worst ever happens.

That being said, off-road vehicles and their drivers operate in special environments that can be dangerous and thus need special coverage options.

In addition to basic property and bodily liability coverage options, the following car insurance options can often be useful for owners of these vehicles.

  • Collision Coverage While operating off-road, it can be easy for such vehicles to run into obstacles, and these vehicles can sustain significant damage along the way. By carrying collision coverage, owners of such vehicles can avoid having to pay for any resulting damages out-of-pocket.
  • Comprehensive Coverage  Comprehensive coverage pays for non-collision damages that can result from things like flooding, hailstorms, lightning, etc. Owners of ORVs that make use of towing rigs or similar modifications may wish to attach special equipment endorsements to their comprehensive policies.
  • Towing Assistance Coverage  Off-road vehicles often operate in remote areas and are prone to breakdowns. Many of these vehicles are quite large and heavy, which can make them hard to move unassisted. Owners of such vehicles who choose to carry towing assistance can protect themselves against such breakdowns.
  • Business Owners Coverage  Some owners of off-road vehicles actually use these vehicles for business purposes. If this is the case, any damages sustained by such vehicles while being used for work may not be covered by personal car insurance policies. By carrying a business owners policy (BOP), owners of such vehicles will be protected if they need to use their off-road vehicles for work purposes.

Finding the Right Coverage

Large numbers of off-road vehicles and their enthusiasts drive the roads and the trails of the nation on a daily basis.

These adventurers face many of the same issues that normal drivers do, and thus require the same kind of car insurance protections that these normal drivers enjoy.

The good news is, owners of ORVs who take advantage of the power of car insurance comparison shopping websites can count on getting the coverage they need at prices that they can afford.

Compare insurance quotes today to find the coverage you need at the best price.