Street Legal ATV

Insurance for street legal atv

Most off-road vehicles are built for adventure — whether you’re enjoying the trail on a snowmobile or hitting the apex on your dirt bike. But some “off-road” activities are a little more relaxed. Your golf cart, for instance, may never exceed 15 miles per hour.

Whatever your off-road style, Farmers offers specialized insurance for your vehicle. Covered vehicles include:

  • Snowmobiles
  • Dirt bikes
  • Dune buggies
  • Golf carts
  • 3-wheel, 4-wheel and 6-wheel ATVs

Here are some typical risks, and how you can protect yourself with Farmers coverage:

You damage your dune buggy


When you take a turn in your dune buggy, it slides into an embankment. You’re okay, but you’ll need to replace a few fiberglass fenders.


Collision coverage can help when you damage your own vehicle by colliding with another vehicle or stationary object. You’ll also get coverage for accessories like skid plates and safety apparel like helmets.

You rear-end a golf cart


When your golf cart crests a hill, you discover — too late — that another golf cart is in your path. You can’t stop in time to prevent a collision.


Liability coverage can help if you cause an accident that damages someone else’s vehicle or personal property, or results in injuries.

Your snowmobiles are stolen


Thieves hit the storage facility where you keep your family’s recreational vehicles, and they’ve taken all three snowmobiles.


Other than collision coverage can help when your loss is caused by theft, vandalism, hail, fire or animals — in other words, almost anything except for an accident.

You’re injured while off-roading


While creeping down a mountain trail on your ATV, a rocky patch catches you off guard — you dislocate your shoulder when you’re thrown to the ground.


Medical payments can help with medical costs when you’re injured in a covered accident.

An uninsured driver damages your dirt bike


Your dirt bike is parked at the course when it’s hit and knocked over by a distracted driver who doesn’t have any insurance.


Uninsured motorist coverage can help when damages or injuries are caused by someone who isn’t properly insured.

Extra coverage for extra protection

You can also tailor each Farmers policy to your off-road needs with:

  • Increased liability limits
  • Coverage for towable trailers and sleds
  • Transport trailer coverage
  • Optional Equipment

Farmers ws to build strong relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get an off-road insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn how Farmers can help you protect your off-road vehicle, call an agent today.

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Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo - Urgo Agency Owner
Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Kristin Wenzloff
Kristin Wenzloff is a 6-year veteran of Farmers Insurance. Kristin is very familiar with all of our central Connecticut customers and is happy to help all of our clientele at any time.

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