Ever buckled into a UTV and felt that exhilarating rush of freedom as you hit the dirt trails?
As thrilling as UTV adventures can be, they’re not without risks.
And that’s where UTV insurance comes in. A savior in uncertain times, providing peace of mind during those heart-pumping rides.
In this article, I will share my knowledge of the Best UTV Insurance, their reviews, comparison, and how to choose one for yourself.
Top 5 Best UTV Insurance
These are the Top 5 Best UTV Insurance in 2023:
1. Progressive
At $47 per month, Progressive provides a comprehensive list of coverage options including bodily injury, property damage, uninsured/underinsured motorist coverage, comprehensive collision, and medical coverage. For its affordable price and extensive features, it tops the list.
If you’re also interested in exploring affordable options for your fairway rides, don’t miss our guide on the Cheapest Golf Cart Insurance.
2. Foremost
Offering similar coverage features as Progressive, Foremost charges slightly more at $50 per month. But its comprehensive plan certainly justifies the price.
3. Nationwide
Priced at $69 per month, Nationwide offers comprehensive and collision coverage, personal injury coverage, uninsured and underinsured motorist coverage, and medical payments coverage. A bit pricier, but it does add personal injury coverage into the mix.
4. Allstate
Costing $103 per month, Allstate offers a robust plan including comprehensive and collision coverage, uninsured and underinsured motorist coverage, medical payments coverage, bodily injury coverage, and property liability coverage.
5. Geico
While Geico’s comprehensive plan comes at a higher price tag of $145 per month, it provides extensive coverage including comprehensive and collision, property liability, bodily injury, comprehensive physical damage, medical payment coverage, and uninsured/underinsured motorist coverage.
If you’re as passionate about teeing off as you are about off-roading, then you’ll also want to check out the Best Golf Cart Insurance.
Best UTV Insurance Comparison Table
This table compares the best UTV insurance:
| Insurance | Features | Pricing |
|---|---|---|
| Progressive | ✔️ Bodily injury coverage. ✔️Property damage coverage. ✔️Uninsured and underinsured motorists. ✔️Comprehensive and collision . ✔️Medical coverage. | $47 per month |
| Geico | ✔️ Bodily injury coverage. ✔️Property damage coverage. ✔️Uninsured and underinsured motorists. ✔️Comprehensive and collision. ✔️Medical coverage. | $145 per month |
| Foremost | ✔️Bodily injury coverage. ✔️Property damage coverage. ✔️Uninsured and underinsured motorist coverage. ✔️Comprehensive and collision coverage. ✔️Medical payments coverage. | $50 per month |
| Allstate | ✔️Comprehensive and Collision coverage. ✔️Uninsured and underinsured motorist coverage. ✔️Medical payments coverage ✔️Bodily injury coverage. ✔️Property liability coverage. | $103 per month |
| Nationwide | ✔️Comprehensive and collision coverage. ✔️Personal injury coverage. ✔️Uninsured and underinsured motorist coverage. ✔️Medical payments coverage. | $69 per month |
If you’re in the market for new UTV tires and want to know the best radial options, take a look at my article on the Best Radial UTV Tires.
Best 5 UTV Insurance Reviews
These are the top 5 Best UTV Insurance reviews:
1. Progressive UTV Insurance Review
Progressive Insurance is one of the best liability coverage providers for UTVs and ATVs. It offers multi policy discounts, and its rates are very affordable, tailored to give value for money.
Progressive Insurance offers coverage for bodily injury, property damage, medical payments, etc., in the basic option. In addition to the basic coverages, it offers fire, theft, and water coverages for UTVs.
| Pros | Cons |
|---|---|
| It is one of the largest ATV and UTV insurers in the country. | Its overall customer rating is not on the high side. |
| The pricing is quite affordable compared to its counterparts. | |
| It offers numerous discounts. |
2. Geico UTV Insurance Review
Also on the list of top 5 UTV insurance is Geico Insurance. Geico offers top notch UTV insurance with great coverage options. Its basic plan covers property liability, bodily injury, physical damage, medical payments, etc.
Although Geico insurance is quite pricey compared to a few of its counterparts, it still offers great value for money. It has a high customer satisfaction rating, making it a true customer favorite.
| Pros | Cons |
|---|---|
| High Customer satisfaction. | It has a limited agent network. |
| Robust discounts available. |
3. Foremost UTV Insurance Review
Foremost Insurance is one of the top 5 in UTV insurance. It is very easy to work with and has a good track record for customer service.
Foremost offers general coverages under basic UTV insurance, such as bodily injury, property damage, medical payments, and comprehensive, uninsured, and underinsured motorist coverages. In addition, it also offers coverage for flood, fire, vandalism, and theft.
| Pros | Cons |
|---|---|
| It has a website that is very easy to explore. | It does not offer many discounts. |
| It has a wide range of coverage options. | |
| It properly lays out the coverage options. |
4. Allstate UTV Insurance Review
Allstate Insurance is on the list of the top 5 for UTV insurance. It offers coverages such as medical payments, bodily injury, property liability, and other general coverages under the basic package. It is one of the largest auto insurance companies in the country.
| Pros | Cons |
|---|---|
| It has a wide range of coverage options. | It has only average customer ratings. |
| It offers great discounts for good drivers. |
5. Nationwide UTV Insurance Review
Nationwide Insurance is among the best ranking companies for UTV insurance. It provides coverages for UTVs such as personal injury, property damage, medical payments, and uninsured and underinsured motorist coverages.
| Pros | Cons |
|---|---|
| Fewer customer complaints | Not available in all the states in the country. |
| Huge discounts and bonuses loyal customers. | |
| Huge discounts and bonuses to loyal customers. |
Types of UTV Insurance Coverage
These are the 7 types of UTV insurance coverage available:
- Bodily Injury Coverage: This type of coverage is usually required by law in most states. It insures you against death or injury caused to another person.
- Property Damage Coverage: This type of coverage insures you against damage caused to other people’s property while driving your UTV.
- Collision Coverage: This covers damage caused to your UTV due to a collision with another vehicle.
- Comprehensive Coverage: This covers damage to or loss of your UTV resulting from incidents like vandalism, weather-related events, and theft.
- Uninsured and Underinsured Motorist Coverage: This insurance covers accidents caused by another driver who either does not have UTV insurance or is not sufficiently insured to pay the associated costs.
- Medical Payments Coverage: This covers medical expenses incurred due to bodily injury to you or your passengers caused by accidents.
- Accessories Coverage: This covers additional equipment or accessories, such as a customized stereo system added to your UTV in case of damage, accident, or loss.
Factors to Consider When Choosing the Best UTV Insurance
The following factors need to be considered when choosing UTV insurance:
- Coverage Options: Avoid insurers that offer limited coverage for your UTV. Instead, find insurers that provide extensive coverage options, including comprehensive and collision coverage.
- Discounts: Finding an insurer that offers coverage for discounted prices is also a plus, as this will reduce the cost of getting the insurance.
- Customer Reviews: It is also important to check the kind of reviews your proposed insurer has from past and present customers, as this will to an extent, determine the type of service you will get from them.
How to Choose the Best UTV Insurance
Follow these steps to choose the best insurance for your UTV:
- Access the value of your UTV.
- Determine the type of coverage you need.
- Compare quotes from several insurers.
- Check for discounts.
- Carefully read through the policy to ensure the coverage options suit your needs.
- Check the deductibles.
You may also want to find out which UTV light bar is the best for your off-road adventures. Check out my article on the Best UTV Light Bar.
Frequently Asked Questions
Here are the frequently asked questions on Best UTV Insurance:
How can I get the best rate on my UTV insurance policy?
You can get the best rate on your UTV insurance by comparing quotes from different providers, choosing higher deductibles, and getting bundle policies or discounts.
Are there any UTV insurance providers that offer roadside assistance?
Providers like Progressive Insurance Company, Nationwide Insurance Company, etc., provide roadside assistance.
Conclusion
Choosing the right insurance for your UTV can be very challenging as there are a lot of insurers to choose from.
There are, however, some major elements you need to consider when choosing the right one. They are all outlined in this article. I hope that this article will assist you in choosing the best UTV insurance.
