UTV insurance company? What do you use? What do you cover? - Page 1

[ARCHIVED THREAD] - UTV insurance company? What do you use? What do you cover?

Posted: 9/3/2021 10:46:46 AM EDT

Want to get everything lined up for when I pick up my Honda later this month, and I want insurance. I'll be writing a check for the machine, so no financing, so no "requirements" from a bank.

What company do you use? Do you like them?
What coverage do you get? Comp/collision obviously, but do you go for automotive type medical, uninsured, etc? I'm thinking liability would be good for damaging someone else's machine in an accident, as shit can just happen off-road.

Posted: 9/3/2021 10:51:13 AM EDT

[#1]

Many Auto insurance companies write for UTVs now on the auto policy. Call your
insurance.

Posted: 9/3/2021 11:09:12 AM EDT

[#2]

Be prepared for sticker shock.

In general UTVs are expensive to insure.

Posted: 9/3/2021 4:00:27 PM EDT

[#3]

USAA uses Progresive to do ATV/UTV insurance. I don't know if there's discounts associated with that or not? I have full coverage and pay something like $160 a year for my RZR.

I've never used it.

Posted: 9/4/2021 7:42:02 AM EDT

[#4]

Quote History

Quoted:
USAA uses Progresive to do ATV/UTV insurance. I don't know if there's discounts associated with that or not? I have full coverage and pay something like $160 a year for my RZR.

I've never used it.

View Quote

This is what I use. I'm at about $400 a year for a '21 Turbo S.

Posted: 9/4/2021 10:20:01 AM EDT

[#5]

Quote History

Quoted:

This is what I use. I'm at about $400 a year for a '21 Turbo S.

View Quote

I have the 570 EPS trail. So sounds about right.

Posted: 9/14/2021 10:42:07 PM EDT

[#6]

My insurance company insures UTVs through Foremost, my policy on a 2014 RZR is $325.

2/3 of the policy cost is liability, the policy also covers collision.

Posted: 9/14/2021 11:11:01 PM EDT

[#7]

I shop all the major ones and switch to ever gives me the best coverage for the least amount of cost. So far Progressive, Markel, and GEICO.

Posted: 9/14/2021 11:23:24 PM EDT

[#8]

Full coverage on my 2020 outlander max 1000r is $250 per year with allstate

Posted: 9/15/2021 9:27:17 AM EDT

[#9]

Farm bureau here they seem about as good as the others. Plus they provide some employee benefits if someone is also hurt while working. You really need to look at the policy and how you ride. I know they are some provisions for rock crawling and severe mudding here.

Posted: 9/27/2021 10:12:57 AM EDT

[#10]

I have a 2020 CanAm Defender XMR Max.

Insurance is through Progressive. My GF and I are both named insureds. $500k combined single limit bodily injury, $500k UM(stacked), $10k medpay, comprehensive, collision, $3k in carried contents and accessories.

$737/yr.

Posted: 9/27/2021 10:34:07 PM EDT

[#11]

After shopping around, I'm going to go with Farm Bureau, my main insurance company for everything.

I will have full comp/collision plus $3k in accessories with a $500 deductible for $204/year.

It will share my 300/500 liability that I have with the autos.

Once I get the VIN from my Honda dealer, I'll get it covered.

Posted: 9/27/2021 10:54:08 PM EDT

[#12]

Quote History

Quoted:
Be prepared for sticker shock.

In general UTVs are expensive to insure.

View Quote

I mean... yes and no.

They're more than you might expect. But the rate of claims on UTV/ATV insurance is super, super high.

Also, everyone should check how much bodily injury they've got on their UTVs. It's pretty easy to blow through 5 or 6 digits in medical care. Even if you're harnessed in, all someone has to do is stick their hand out the window during a low-speed roll-over, and you can be looking at a LOT of medical bills.

Posted: 10/1/2021 8:06:42 AM EDT

[#13]

Quote History

Quoted:

I mean... yes and no.

They're more than you might expect. But the rate of claims on UTV/ATV insurance is super, super high.

Also, everyone should check how much bodily injury they've got on their UTVs. It's pretty easy to blow through 5 or 6 digits in medical care. Even if you're harnessed in, all someone has to do is stick their hand out the window during a low-speed roll-over, and you can be looking at a LOT of medical bills.

View Quote

This is why I've been looking at window nets... I take my 7yo son with me all the time. I don't do stupid shit either but you just never know

Posted: 10/1/2021 8:21:55 AM EDT

[#14]

I've got liability on my RZR through State Farm where our home and auto policies are, it's pretty cheap, I want to say around $50 a year.

Posted: 11/3/2021 1:30:23 PM EDT

[#15]

geico

150/yr
500k

Posted: 11/3/2021 1:37:37 PM EDT

[#16]

21' RZR Trail S Premium (1000cc)
Progressive
Full Coverage. I'm not entirely sure of the details
$330ish a year I believe

Posted: 11/10/2021 8:13:53 AM EDT

[#17]

Looks like I'll be about $420/yr for a '21 Rmax2 XT-R and a '19 Wolverine x2 R Spec SE.

$1000 comprehensive deductibles with cash value replacement.

Through Progressive

[ARCHIVED THREAD] - UTV insurance company? What do you use? What do you cover?

General » Off-Roading

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