Best Side-by-Side / UTV Insurance Coverage OffRoad & Street-Legal Rig

UTV Insurance Coverage

Here are several well-known companies that specifically write ATV / UTV / side-by-side insurance (including street-legal builds in many states):

1. Progressive – Dedicated ATV/UTV policies with liability, comp, collision, accessory coverage, and a ton of discounts. (Progressive)

2. GEICO – Offers insurance for ATVs, UTVs, and side-by-sides, with options to bundle with other policies. (GEICO)

3. Nationwide – ATV/UTV coverage both under personal lines and farm/agribusiness packages (good if the machine does double duty for work). (Nationwide)

4. Allstate – ATV & UTV insurance with liability, collision, comprehensive, and accessory coverage options. (Allstate)

5. State Farm – “Off-road vehicle” insurance that can cover ATVs, UTVs, and other off-road rigs. (State Farm)

6. Foremost (Farmers company) – Big in powersports; offers ATV/UTV and other off-road vehicle coverage, including some licensed/“street-legal” vehicles. (Foremost Insurance Group)

7. Markel – Specialty carrier that writes motorcycle and off-road/powersports policies via independent agents. (Markel Insurance)

8. Safeco – Often mentioned in ATV insurance comparisons as good for higher-value machines and accessory coverage. (AutoInsurance.com)

9. USAA – For eligible military/household members; often shows up in “best off-road vehicle insurance” lists. (Auto Insurance)

If you tell me what state you care about, I can narrow this down to which of these typically write street-legal UTV/SxS policies there and what coverage riders usually need (liability limits, med pay, accessories, etc.).