Looking for ATV or snowmobile insurance in Michigan?
Michigan has over 6,300 miles in trails for ATVs and snowmobiles. If you are ready to explore them, we’ve got the coverages to best protect you and your power vehicle! The Elder Agency has several insurance companies to choose from with coverages geared towards your off road vehicles.
All-Terrain Vehicles (ATV) are becoming increasingly popular, and come in a variety of different models. Most insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.
All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance coverage can include protection for your trailer, accessories and carried contents, trailside assistance, medical payments, OEM Parts, and total loss coverage if your ATV is 2 years old or newer. These coverages are just a few of many offered that are tweaked for the needs of off-road enthusiasts.
The same coverage options are available for snowmobiles to protect you and your sled when you are ready to hit the snowy trail.
We know that you take pride in your off road vehicles and the Elder Agency can help you protect your investment and let you focus on having fun!
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. We’re here to help you hit the trails safer!
Frequently Asked Questions
In Michigan, insurance is not always legally required for recreational use, but it may be required if:
- The vehicle is financed or leased
- You ride on public roads (where permitted)
- You enter organized trails or events
- A club or landowner requires proof of insurance
Even when not required, coverage is strongly recommended.
No, a homeowners policy will not provide coverage. It does provide liability coverage if it is being used on premise, but it does not provide physical damage coverage (fire, theft, collision etc.) on or off premises. You can add a recreation vehicle endorsement to get coverage for liability off premise, but you will have to purchase separate coverage to get comprehensive and collision coverage.
Separate recreational vehicle insurance is recommended.
Common rating factors include:
- Vehicle type and engine size
- Age and experience of the rider
- Location and usage
- Storage method (garage vs outside)
- Claims history
- Coverage limits and deductibles
Trail systems in Michigan require that you register your recreation vehicles, and they highly recommend that you carry at least liability insurance.