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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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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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I highly recommend Anchal as an insurance broker. She is extremely professional, knowledgeable, and reliable. What truly sets her apart is that she is always available and genuinely cares about the people she works with.
She takes the time to understand individual needs, explains everything clearly, and makes sure you feel confident in your decisions. With Anchal, you never feel like just another client — you feel supported and well advised.
It is rare to find someone so dedicated, responsive, and truly committed to helping others.
Patti my insurance broker is always fast to respond and very easy to deal with. I have trust in Patti due to her excellent customer service over the years.
Veronique Abbott Is the Insurance Advisor that helped me with my motorcycle insurance. I was very impressed by the timeliness and ease of setting up the insurance with her. I then realized I needed to change the effective date and she did this after hours before a holiday weekend. Outstanding service that I greatly appreciated. Thank you
Surex insurance tips & advice
Before hitting Canada’s trails, ensure your ATV is maintained and properly insured to protect against accidents, theft, or damage during the riding season.
Riding a motorcycle is thrilling, but in Ontario, insurance is required. Learn the basics—especially if you need high-risk motorcycle coverage due to your driving history.
Electric bikes are a fun, eco-friendly way to get around Alberta, but riders must follow specific provincial laws—just like with any motor vehicle.
