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Compare and purchase
Canada's best ATV insurance.

Compare and
purchase Canada's
best ATV insurance.

Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.

Comparing rates from Canada's leading Insurance Providers

Type of Coverage We Provide

Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Comprehensive Coverage
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects among others. (subject to a deductible).
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Accident Forgiveness
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.

We Help Canadians Find Great Rates On Many Types of Insurance

Riding an ATV can be a fun outdoor activity, where riders enjoy handling a more rugged terrain and get a thrill from riding a bigger bike with a more robust build that is designed for steeper hills, rocks, and mud. An all-terrain vehicle, ATV, is also known as a four-wheeler or quad bike, is meant for off-road riding, and is designed to handle a wider variety of terrain than most other vehicles. It has low-pressure tires, a seat for riders, and is steered by handlebars. It is street legal in some countries, but not in Canada or the U.S. If you are not riding it on your own private property, then you will require insurance. ATV insurance is similar to car insurance, but you cannot rely on coverage from your home or auto insurance, you will need specific ATV insurance coverage.

ATV insurance is a specialty insurance product that not all insurance companies offer. You can see if your current insurance provider offers it to get a discount for having both policies with them. Otherwise, you will need to get stand-alone coverage, which can be more expensive than adding it to your existing policy. Contact your Surex Advisor today for more details!

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Speak to a Dedicated Advisor

Denae P.

Licensed Insurance Advisor

Insurance Broker

ATV Insurance across Canada

ATV insurance comprises a contract between customers and insurance companies that protects against financial losses in the case of an accident or theft.


It depends. Getting ATV insurance is mandatory if you are riding it on public roads and highways, and not exclusively on your own private property. It is similar to car insurance, with base coverage and similar categories, plus ATV-specific add-ons. You should never rely on coverage from your home or auto insurance. Not all companies offer ATV insurance, so you may need to shop around - a Surex Advisor can assist you with that!

You will need to get coverage for third-party liability and accident benefits, both of which are mandatory for people riding an ATV on public roads, land, and/or highways.

ATV insurance coverage protects your finances in the event of loss, damages, an accident, injury, or theft of your vehicle. Here is a breakdown of the types of coverage you can get:

Liability coverage: this coverage covers the costs of bodily injury and property damage if you cause an accident (up to a determined amount) as well as legal costs if you are sued.

Collision coverage: this coverage covers the costs of repairs to your damaged vehicle after an accident

Comprehensive coverage (optional): This coverage provides protection if your vehicle is stolen, damaged by fire, vandalism, or severe weather.

Uninsured/underinsured motorist coverage (optional): This coverage will help cover costs if an accident is caused by another rider who does not have the insurance to cover the expenses.

ATV insurance policies are offered by any personal lines insurance provider. By contacting the broker channel, they can provide you with multiple options so you can compare prices and coverage.

You can help lower your rate by considering these factors: the make and model, engine size, level of coverage, driving history, riders’ age, safety features, and taking safety courses. Nothing is guaranteed, so talk to your Surex Advisor to see how you can save today!

Cost ranges based on the value and horsepower of the ATV and the cost can range from a few hundred dollars to a few thousand dollars per year. The price can vary from $40-230/per month, depending on the selected coverage. The average can be around $100/per month for a standard policy. But, always plan to pay more and ask your Surex Advisor what you can do to lower your rate.

Riders should shop around online to get the best insurance rate possible. Getting a free ATV insurance quote at an online insurance brokerage like Surex will allow you to speak to a dedicated insurance advisor to see for which discounts you qualify.

The cheapest ATV insurance provider depends on how your unique situation fits into the formula companies create to evaluate policies. For example, one insurer might weigh your driving history more heavily than another. It’s a good idea to compare rates from various insurers with Surex. The cheapest ATV insurance provider isn’t always clear at first but licensed insurance advisors can help answer all questions and provide the best information on the market.

You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy number and details of the claim prepare when you call.

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