Protection You Deserve
Are you looking for ATV insurance in Spokane, WA? Whether you use your all-terrain vehicle for trail riding, hunting, or work on your property, a dedicated ATV policy is essential for protecting you and your investment. Unlike homeowners insurance, which offers very limited coverage, an ATV policy is designed for the specific risks you face off-road.
Is ATV Insurance Required in Washington?
This is a common question for Spokane-area riders. While Washington state law does not mandate insurance for ATVs used exclusively on private property, it is required for other situations.
- Public Lands: Insurance is generally required to operate your ATV on public lands, such as those managed by the Department of Natural Resources (DNR) or the U.S. Forest Service.
- Street-Legal Use: If your ATV has been modified and registered for on-road use, it must meet the same minimum liability insurance requirements as a motorcycle or car.
Private Parks/Facilities: Many privately-owned off-road parks or trail systems will require you to show proof of liability insurance before you can ride.
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Quotes from 150+ Carriers
Regardless of requirements, insurance is highly recommended to protect you from liability and to cover the high cost of repairing or replacing your ATV.
ATV Insurance Coverage in Spokane, WA
A standard ATV policy packages several key coverages, similar to auto or motorcycle insurance. Our agents can help you build a policy that includes:
Bundle and Save
By combining policies to save time and money.
Fast Friendly Service
Contact us for phone or email support.
Protection You Can Trust
We work closely with only top rate carriers.
- Bodily Injury Liability: Covers medical expenses for someone else if you are found at fault for an accident that injures them.
- Property Damage Liability: Pays for damage you cause to someone else’s property, such as a fence, another vehicle, or landscaping.
- Collision Coverage: Pays to repair or replace your ATV if it is damaged in a collision with another vehicle or object (like a tree or rock), regardless of who is at fault.
- Comprehensive Coverage: Covers damage to your ATV from non-collision events. This is your protection against theft, vandalism, fire, flooding, falling objects, and severe weather.
- Medical Payments: Helps pay for your own medical bills (and those of your passenger) if you are injured in an accident, no matter who was at fault.
- Uninsured/Underinsured Motorist: Protects you, your family members, and your passengers if you are injured by another rider who does not have insurance or does not have enough insurance to cover your medical costs.
Local & Family Owned
We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.
• Integrity • Excellent Service • Quality
Optional Coverages for Your ATV
You can often enhance your policy with specialized coverages to match how you use your vehicle:
- Custom Equipment Coverage: If you’ve added winches, custom seats, light bars, or other expensive aftermarket parts, this covers their value.
- Towing and Labor: Provides reimbursement if your ATV breaks down on the trail and needs to be towed back to your truck or a repair shop.
Trailer Coverage: Provides coverage for the trailer you use to transport your ATV.
A few questions away from saving up to 40% on your insurance.
Getting Affordable ATV Insurance with Boyd Insurance Brokerage Inc.
Don’t let an accident on the trail ruin your finances. At Boyd Insurance Brokerage Inc., our agents understand the needs of Spokane-area riders. We have access to policies from multiple top-rated carriers, which allows us to shop for the best coverage at a competitive price.
To learn more about your ATV insurance options and to get a free quote, call us today at (509) 340-2693.
