ATV & Offroading Insurance


Ride your ATV worry-free. With Murphy Insurance, you can get free ATV insurance quotes and advice that will help you find a policy that’s right for you.In addition to free ATV insurance quotes, Murphy Insurance provides specialized coverage and other benefits you might not get if you insure your ATV on your homeowners policy, such as:

  • Liability limits up to $500,000 (CSL) — higher than limits generally set by homeowner’s insurance
  • Recreational use and off-premises coverage of your ATV
  • ATV custom parts and equipment coverage
  • Progressive’s superior claims service for ATVs

Homeowners policies often provide only minimal coverage for ATVs. Get peace of mind by talking with an ATV insurance agent who can provide free ATV insurance quotes and guide you on the type of policy that will properly cover you and your ATV.

Off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

ATV Insurance:

All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still awesome !!  If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment. What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it?  PROBABLY NOT !

What if you’re not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it’s hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

Dirt Bike Insurance:

Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.


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