Carter Thompson Insurance

ATV Insurance

Explore the Trails With Confidence.

Your ATV represents a considerable recreation investment. And as you’re riding, the last thing you’ll want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Carter Thompson Insurance, you can ride with confidence knowing that you’re properly insured.

How Much Auto Insurance Do I Need for an ATV? 

The amount of insurance you need to property cover your ATV depends on your state’s laws and rules about your specific vehicle. As of September 2022, Georgia separates ATV types in to three main categories: 

  • Class I ATV: Width of 50 inches or less weighing less than 1,200 pounds with three or more non-highway tires.
  • Class II ATV: Larger than a Class I ATV, with a width of 65 inches or less weighing less than 2,000 pounds with three or more non-highway tires.
  • Class III ATV: Larger than a Class II ATV, weighing less than 8,000 pounds with three or more non-highway tires operated off a highway.

Georgia law requires ATVs to meet the state’s minimum auto liability limits when driven on public roads. Your agent may recommend that you purchase additional coverage, however.  

What Does ATV Insurance Cover? 
No matter what type of vehicle you have, whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance you want and the protection you deserve with specialized coverage options, including: 

  • Collision Coverage—This helps cover damage to your ATV from rocks, trees, and other obstacles or debris.
  • Comprehensive Coverage—This helps provide extra security for loss or damage from theft, fire, or vandalism.
  • Property Damage—This helps cover expenses to another person’s property for which you are liable.
  • Bodily Injury—This helps pay medical expenses to others if you’re held liable in an accident.
    • Uninsured Motorist—This helps protect you from loss or damage caused by uninsured and underinsured riders.

How Does ATV Insurance Work? 


    • ATV insurance works a lot like auto insurance. Owning and driving ATVs can expose you to risk, so it’s crucial to have proper ATV insurance to help cover your legal liability and insure your property.  

    • If you are in an accident resulting in damages or injuries, contact your agent right away. They can hep you file a claim with your insurance company. An adjuster from your insurance company will review any damages and determine your compensation based on your coverage, the loss type and your deductible.  

How to Get ATV Insurance 

    • Carter Thompson Insurance is dedicated to offering you the best possible coverage at a price you can afford. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you’ve successfully completed a rider safety course. 




    Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a recreational plan that best fits your needs. 


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