Not sure what to get? Then this guide is for you. When it comes to off-road adventures, tasks, and driving legally, having the best UTV insurance is essential.
Key Takeaways:
- State Farm and Dairyland company is our top pick.
- Liability coverage is a type of UTV insurance policy required by law
- Comparing multiple quotes is the best way to find affordable coverage for your UTV
If you buy the best side-by-side UTV insurance by analyzing the companies in depth, you can save money. And it’s very challenging.
Don’t worry,
Because we have solved your problem. After 150 hours of deep research, We have come up with this ranking list of the top 5 best UTV insurance companies for you with average UTV insurance rates.
With the help of this guide, you can buy the best ATV/UTV insurance policy as per your requirements and also save money.
Why Trust ElectricalV ✅ 150 hours of extensive research was done ✅ 65 UTV Insurance Companies Analyzed ✅ 500+ customer reviews were read and reports analyzed ✅ We only give you information, not advice.
Lets started,
Tips For Choosing Best UTV Insurance
- Choose Policy Type: There are many types of side-by-side insurance which are listed below, so first decide why you need it. Choose the right policy type according to your needs and budget.
- Choose trusted insurance providers: Below we have selected the 5 best UTV insurance companies to make it easy for you to choose.
- Get quotes: Get UTV insurance quotes from multiple companies. This is the best way to compare prices and coverage options.
- Check premium amount: The amount you pay to the company every month after purchasing your insurance policy is called a premium. You can pay for it in one go as well.
- Know the deductible amount: If you ask your friend for $1000 and your friend says that you take $100 yourself and I will give the remaining $900, then the deductible amount at this place is $100, which you will have to pay yourself out of your pocket.
- Discount: While buying the best side-by-side insurance policy, also check what discounts are available to reduce your policy premium amount.
- Read the policy carefully. Before you sign anything, be sure to read the policy carefully so that you understand what is covered and what is not.
5 Best UTV Insurance Companies
We have analyzed all these insurance companies, read reviews, and blogs, and rated them according to customer satisfaction. Price may vary from person to person.
| Company Name | Trustpilot Rating out of 5 | Average Mini. Coverage Rates |
|---|---|---|
| State Farm | 1.7 | $45 per month |
| Dairyland | 4.4 | $68 per month |
| Geico | 1.3 | $39 per month |
| Allstate | 1.3 | $60 per month |
| Progressive | 1.1 | $57 per month |
Overall the best UTV insurance company is State Farm, cheapest UTV insurance company is Geico because both companies are very popular as well as top in customer satisfaction, if we talk about good service then Dairyland is the best side-by-side insurance company.
Also read: 11 Best Electric UTVs in 2024
1. State Farm
Minimum Coverage: $45 per month
Trustpilot Rating: 1.7
J.D. Power Claims Satisfaction score: 877 out of 1000
Why We Picked It
By reading a lot of customer reviews, reports, and blogs, we found that State Farm company tops the list of providing the highest customer satisfaction.
The company offers drivers several coverage options such as property damage protection, bodily injury expense insurance, and travel expense insurance. It is also known for its low rates strong industry and good reputation. It is the best side-by-side insurance company.
State Farm UTV Insurance Cost
According to data from MarketWatch, Below are the average State Farm UTV insurance rates for policy:
| Coverage Type | State Farm Average Costs |
| Minimum coverage | $543 per year or $45 per month |
| Full coverage | $1,481 per year or $123 per month |
Get UTV insurance quotes from State Farm to find the best side-by-side insurance rates.
State Farm Customer Experience
According to the 2023 survey of Insurance customer satisfaction, it has been found that out of the 1000 points scale State Farm satisfies 877 points very well and handles their claims and that’s why State Farm ranked the highest for large insurers in the J.D. Power U.S. Insurance Study.
State Farm Customer Review
Pros
- Usage-based insurance discount
- Good discount opportunities for teens and students
- Competitive ATV/UTV insurance rates for drivers with speeding tickets on their records.
- Low-level complaints were filed with state insurance departments regarding UTV insurance.
Cons
- Not available in Massachusetts or Rhode Island
- Doesn’t offer gap insurance.
Also Read: Best Electric UTV for Farm
2. Dairyland
Minimum Coverage: $68 per month
Trustpilot Rating: 4.4
Why We Picked It
Dairyland specializes in high-risk driver’s insurance.
Dairyland company has the highest rating on Trustpilot and has the highest number of more than 5,627 5-star customer reviews in claims handling and is easy to use.
Dairyland UTV Insurance Cost
Our research found that Dairyland Insurance is priced higher than its competitors. There are different ATV/UTV insurance rates for each policy, you can get an idea from these rates.
| Coverage Type | Dairyland Average Costs |
| Minimum coverage | $811 per year or $68 per month |
| Full coverage | $3,426 per year or $286 per month |
Get UTV insurance quotes from Dairyland to find the best UTV insurance cost.
Dairyland Customer Experience
Most of the customers say on Trustpilot that they provide very fast insurance and also handle claims very well. But its experience has not been good for some customers.
We can also accept this fact from the proof that according to the 2022 National Association of Insurance Commissioners (NAIC), the complaint number against the company is less than other companies. But also remember that the market share of this company is less than other companies.
Dairyland Customer Review
Pros
- Dairyland’s website is easy to use.
- Gap insurance offered
- Offers nonstandard policies for high-risk drivers
Cons
- Not licensed in California
- Not rated by J.D. Power
- Its Average rates are much higher than the average
- Guest passenger insurance is not included
- Coverage is not available in all states
Also Read: Top UTV Brands in 2024
3. Geico
Minimum Coverage: $39 per month
Trustpilot Rating: 1.3
J.D. Power Claims Satisfaction score: 857 out of 1000
Why We Picked It
Affordable insurance rates for most drivers.
Geico company is a big insurance company with a good reputation among the people.
Geico UTV Insurance Cost
Our research found that Geico is the cheapest UTV Insurance provider compared to its competitors. But here it can be different for each policy, you can only get an idea from these rates.
| Coverage Type | Geico Average Costs |
| Minimum coverage | $468 per year or $39 per month |
| Full coverage | $1,308 per year or $109 per month |
Get UTV insurance quotes from Geico to find the best UTV insurance rates.
Geico Customer Experience
According to the 2023 J.D. Power U.S. Insurance customer satisfaction Study, it has been found that out of the 1000 points scale, Geico satisfies 857 points very well and handles their claims.
Geico Review Video with real experience ⬇️
Pros
- Cheapest UTV insurance company.
- Offers many discounts to increase savings
- Scores well for claims handling, customer service, and customer loyalty
- It also offers great rates for young drivers and seniors, which can be expensive to insure.
Cons
- Mixed customer reviews
- Not always the cheapest insurance with poor credit or recent accidents
4. Allstate
Minimum Coverage: $60 per month
Trustpilot Rating: 1.3
J.D. Power Claims Satisfaction score: 853 out of 1000
Why We Picked It
Allstate company is the fourth-largest auto insurer in the country with a market share of 10.4%.
Because of its high insurance rates, we suggest most drivers explore other companies that are listed on this list before checking out Allstate.
Allstate UTV Insurance Cost
According to research, we found that the Allstate est. minimum coverage rate is $725 per year or $60 per month and the full coverage rate is $2,088 per year or $174 per month.
| Coverage Type | Allstate Average Costs |
| Minimum coverage | $725 per year or $60 per month |
| Full coverage | $2,088 per year or $174 per month |
Allstate Customer Experience
Negative customer reviews discuss issues with the claims process and policy cancellation, while positive reviews on insurance highlight excellent customer service from Allstate agents.
According to the J.D. Power U.S. Insurance customer satisfaction Study, it has been found that out of the 1000 points scale, Allstate satisfies 853 points very well and handles their claims.
Allstate Customer Review
Pros
- A long list of insurance discounts
- Drivers who want a good network of agents for service
- Wide variety of insurance coverage options
Cons
- Higher rates than average insurance rates
- Mixed Allstate insurance reviews
5. Progressive
Minimum Coverage: $57 per month
Trustpilot Rating: 1.1
J.D. Power Claims Satisfaction score: 853 out of 1000
Why We Picked It
Progressive Company is the second-largest insurance company in the nation, accounting for 14.05% in 2022.
But we have placed it at number 5 because of the Trustpilot rating. But it is also the best UTV insurance provider in the country. Plus, it also offers the most discount options, so you can maximize your savings.
Progressive UTV Insurance Cost
According to research, we found that the Progressive est. minimum coverage rate is $687 per year or $57 per month and the full coverage rate is $1,611 per year or $134 per month.
| Coverage Type | Progressive Average Costs |
| Minimum coverage | $687 per year or $57 per month |
| Full coverage | $1,611 per year or $134 per month |
Get UTV insurance quotes from Progressive to find the best UTV insurance cost.
Progressive Customer Experience
According to the 2023 J.D. Power U.S. Insurance Study, it has been found that out of the 1000 points scale, Progressive satisfies 853 points very well and handles their claims like Allstate.
Progressive Customer Review
Pros
- Wide range of discounts
- Wide selection of coverage options
- Highly rated mobile app
- Wide selection of coverage options
Cons
- Lowest Rating on Trustpilot
- Average customer service ratings
- Snapshot program can raise rates for some drivers
Types of UTV Insurance Policy
Here are the types of insurance policies that ATV/UTV owners prefer to buy the most.
1. Liability Coverage
2. Collision insurance
3. Comprehensive Coverage
4. Aftermarket Parts Coverage
5. Medical payment coverage
1. Liability Coverage
As I told you earlier, liability coverage is required legally.
Liability coverage protects you financially if you cause an accident and the other person suffers a bodily injury or damages their property because of you, your insurance company will pay the amount of that loss only to the other person on your behalf, and you will not get anything in it.
If you do not have any insurance policy and want to get the lowest-cost policy, then you can choose the liability coverage policy.
Pros
- Cheapest UTV insurance policy
- Protects you from financial ruin if you are sued.
Cons
- It will not cover damages to your vehicle.
- You may have to pay a deductible if you make a claim.
- You will have to buy this coverage along with each of the following policies.
2. Collision insurance
This ATV/UTV insurance policy protects your UTV. Not legally required.
For example, if your ATV/UTV is damaged in an accident that costs $2,000 to repair, your insurance company will pay you $2,000.
Pros
- Covers damages to your vehicle from hitting another vehicle.
- Covers damages to your vehicle from hitting an object, such as a tree or a pole.
- Covers damages to your vehicle from a collision with a wild animal.
- Covers damages to your vehicle from rolling over.
Cons
- It is expensive
- You have to pay a deductible if you file a claim.
- Does not cover damage caused by theft or vandalism.
- Does not cover damage caused by fire or flood.
3. Comprehensive Coverage
It is not required by law.
This coverage protects your ATV/UTV from non-collision-related incidents, such as theft, vandalism, fire, or natural disasters and it is a good way to protect your UTV from unexpected expenses. Collision plus comprehensive is the best UTV insurance policy.
Pros
- Protect your UTV from unexpected expenses.
- It can give you peace of mind.
- Help you get your ATV/UTV repaired or replaced quickly and easily.
Cons
- Does not cover damage caused by a collision with another vehicle
- Does not cover injuries to passengers or other people
- Does not cover loss of use of your vehicle
4. Aftermarket Parts Coverage
If you’ve customized your UTV with accessories or aftermarket parts, this coverage protects these enhancements in case of damage or theft.
Accessories and aftermarket parts coverage is an add-on option that can be tailored to your specific modifications.
Pros
- Protects your investment in aftermarket parts.
- It helps you save money on repairs if your aftermarket parts are damaged.
Cons
- It can be expensive.
- It may not cover all aftermarket parts.
- You may have to pay a deductible if you make a claim.
5. Medical Payments Coverage
This coverage covers medical expenses for you and your passengers, regardless of who is at fault.
This coverage helps with medical bills resulting from UTV accidents, including ambulance fees, hospitalization, and medical treatment.
Pros
- Not required by law.
- It takes care of your medical expenses in case of a car accident.
Cons
- It is expensive.
- You may have to pay a deductible if you make a claim.
- It may not cover all medical expenses related to a car accident.
Frequently Asked Questions
To provide more clarity on UTV insurance, let us look at some frequently asked questions:
What Does UTV Insurance Cover?
UTV insurance provides coverage for a variety of risks related to off-road vehicle use. Insurance policies differ for each risk, such as for a bodily injury, protection against property damage, repair or replacement cost in case of accidents, protection against incidents like theft, vandalism, fire, or natural calamities, etc.
Which is the best UTV insurance company?
Overall the best UTV insurance company is State Farm, The cheapest UTV insurance company is Geico because both companies are very popular as well as top in customer satisfaction, if we talk about good service then Dairyland is the best side-by-side insurance company.
How much does UTV insurance cost?
The est. average cost of UTV insurance as per our list starts at $468 per year or $39 per month for minimum coverage and the full coverage cost starts at $1,308 per year or $109 per month. But you have to keep in mind that the cost of UTV insurance depends on a lot of factors like age, location, model, state requirements, credit history, gender, and more.
How to insure a UTV?
Step 1: Choose the right UTV insurance providers
Step 2: Understand Coverage Options
Step 3: Choose the Right Coverage
Step 4: Get multiple quotes to find the best UTV insurance rates
Step 5: Provide Required Documentation
Step 6: Review the Policy
Step 7: Pay the Premium
Finally: Keep Proof of Insurance
Can I use my auto insurance for my UTV?
No, standard auto insurance policies do not typically cover UTVs. UTVs require special best UTV insurance coverage as described in this guide specifically designed for off-road vehicles. It’s essential to obtain a separate UTV insurance policy to ensure adequate protection. If you have already bought a policy, then you can get your new UTV insurance policy attached to it and you will get a discount on it.
UTV Insurance California?
Our list includes several of the top UTV insurance company that provides you best UTV insurance in California. Like State Farm, Geico UTV insurance company, and more.
Conclusion
If you want to get the best UTV insurance, then read the policy carefully before signing.
Let me tell you one thing if you have bought a policy, then you keep reviewing it from time to time because we have read many customer reviews, then it has been told that the company has charged more money from the customer later.
I hope you liked this article please share it with your friends so that they can also buy the best UTV insurance.
Also Read:
