ATV & UTV Insurance in Texas
ATVs and side-by-sides are expensive machines that most homeowners policies barely touch once they leave your property. A dedicated Texas ATV policy covers liability, theft, and damage on trails, ranch land, and hunting leases.
What atv coverage includes
- Liability for injuries or property damage you cause
- Collision and comprehensive on the machine itself
- Theft coverage — including from a trailer or ranch shed
- Aftermarket parts, winches, and accessories
- Coverage for passengers on UTVs and side-by-sides
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
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ATV insurance FAQs
How much is ATV insurance in Texas?
Liability-only ATV coverage frequently runs $75–$200 a year, and full coverage on a newer side-by-side often lands between $300 and $700 depending on value and where it's stored.
Does homeowners insurance cover an ATV?
Typically only while it's on your own property, and usually with limited liability. Riding on a lease, a trail system, or public land generally falls outside the homeowners policy entirely.
Is ATV insurance required in Texas?
Not for private-land riding, but it is required if the ATV is operated on public roads where allowed, and most hunting leases and off-road parks now ask for proof of liability coverage.
ATV insurance across Texas
I'm licensed statewide (Texas License #3530322) and write atv insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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