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ATV/UTV INSURANCE
ATVs and UTVs are built for adventure, but they still come with risks. ATV and UTV insurance can help protect your vehicle, provide liability coverage if someone is injured, and help cover damage or theft.​
In recent years, Georgia law has changed to allow certain ATVs and UTVs to be properly titled and registered for on-road use. If your side-by-side is equipped and registered for road or highway use, it may require specialized on-road ATV/UTV insurance coverage similar to a traditional auto policy.
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At Dasher Insurance Agency, we work with insurance companies that specialize in both off-road recreational ATV coverage and on-road UTV insurance policies for vehicles that are tagged and used on public roads.
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Whether you use your ATV or side-by-side for recreation, hunting property, farm work, or road use, we can help you find the right protection.
Do I Need Insurance for My Side-by-Side?
In recent years, Georgia law has allowed certain ATVs and UTVs (side-by-sides) to be titled and registered for limited on-road use when they meet specific requirements. Many owners now use their side-by-sides for short trips on local roads, around rural communities, or between properties.
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If your ATV or UTV is tagged and operated on public roads, insurance coverage similar to an auto policy may be required to legally operate the vehicle.,
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Even if your side-by-side is only used off-road, insurance is still a smart way to protect yourself from costly repairs, theft, or liability if someone is injured while riding.,
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At Dasher Insurance Agency, we work with companies that specialize in both off-road ATV insurance and on-road UTV policies for properly registered vehicles.
What Does ATV / UTV Insurance Cover?
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Coverage can vary depending on the policy and how the vehicle is used, but ATV and UTV insurance may include protection for:
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• Liability Coverage – Helps cover injuries or property damage you may cause to others while operating your ATV or UTV.
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• Collision Coverage – Helps pay for repairs if your vehicle is damaged in an accident.
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• Comprehensive Coverage – Protection for theft, fire, vandalism, or other non-collision damage.
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• Accessory Coverage – Protection for custom parts, modifications, or equipment added to your side-by-side.
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• Uninsured / Underinsured Motorist Coverage – Protection if you're involved in an accident with someone who does not have enough insurance.
Whether your ATV or side-by-side is used off-road for recreation or registered for limited road use, we can help you find coverage that fits how you use your vehicle.