50% of ATVs Are Uninsured – Why That’s a Risk You Shouldn’t Take

ATVs are a big part of life in Central Texas—whether you’re tearing up trails in Hill Country, hunting on a ranch, or just enjoying some off-road fun with the family. But here’s a surprising fact: about 50% of all ATVs are uninsured.

That’s a huge number when you consider the risk involved. And no, your homeowners or auto policy probably doesn’t have you covered out there in the brush. Let’s break down why ATV insurance matters, what your options are, and how to make sure you’re protected—without overpaying.

What Is ATV Insurance—and Do You Really Need It?

Short answer: yes, you probably do.

ATV insurance works a lot like motorcycle or auto insurance. It helps cover you, your ATV, and others if there’s an accident, theft, damage, or injury. And no, it’s not just for daredevils jumping dunes.

Whether you’re cruising the back roads of Burnet or hauling feed across a few acres in Lampasas, accidents happen. Think:

• You flip your ATV trying to dodge a deer (it happens).
• A friend borrows your quad and crashes.
• Someone steals your side-by-side from your property.

Without insurance? You’re footing the whole bill.

What Does ATV Insurance Actually Cover?

Here’s a quick guide to the most common coverage types:

1. Liability Coverage (A must-have)
   This covers injuries or property damage you cause to someone else. For example, if you crash into someone else’s fence—or worse, injure a passenger—you could be legally and financially responsible.
   Tip: Some trails and public parks in Texas require proof of liability insurance to ride.

2. Collision Coverage
   This covers damage to your ATV from a crash, no matter who was at fault. Ran into a tree? Rolled it down a slope? This is what helps pay for repairs (or a replacement).

3. Comprehensive Coverage
   This covers non-collision events like theft, fire, vandalism, or storm damage. In Central Texas, where weather can turn on a dime, this is smart protection.

4. Uninsured/Underinsured Motorist
   If another rider hits you and they don’t have insurance (remember that 50% stat?), this helps cover your expenses.

5. Medical Payments (MedPay)
   This helps with medical bills if you or your passenger are injured on the ATV—regardless of fault.

Wait, Doesn’t My Homeowners or Auto Insurance Cover This?

It might, but only in very limited circumstances. Most homeowners policies exclude ATV use off your property. And your auto insurance? It usually won’t touch anything that isn’t street-legal.

Real-life example: If your ATV is stolen from your barn, your homeowners policy might not pay a dime unless it’s specifically listed. But a good ATV policy? That’ll have your back.

How Much Does ATV Insurance Cost in Central Texas?

Rates vary depending on:

• Your ATV’s make, model, and value
• How often and where you ride
• Your driving history
• The coverages and limits you choose

That said, premiums are often surprisingly affordable—especially when bundled with your auto or home insurance through a local agency like Dowd Insurance.

FAQ: ATV Insurance in Central Texas

Q: Is ATV insurance required in Texas?
A: Not by state law, but some parks, lenders, and HOAs require liability coverage.

Q: What if my ATV is for farm use only?
A: You still face risks—accidents, theft, and weather damage. A tailored policy protects your investment.

Q: Can I cover multiple ATVs on one policy?
A: Yes! This often saves you money and simplifies things.

Final Thoughts: Protect the Ride You Love

ATVs are built for adventure—but without the right insurance, that adventure can get expensive fast. At Dowd Insurance Agency, we help riders across Central Texas find the right protection without overcomplicating it. We speak your language and keep it local.

Give us a call or request a quick quote online—we’ll make sure you and your ATV are ready for whatever the trail throws at you.

Let’s Get You Covered
📞 Contact Us | 🛠 ATV Insurance Made Easy for Central Texas Riders