ATV Insurance in Libertyville, IL and Gurnee, IL

If you own all-terrain vehicles (ATVs), you must insure them as thoroughly as you would any other car or truck. However, you shouldn’t assume that your existing auto insurance will cover your ATV. Instead, you will need a stand-alone ATV insurance policy.  

With tailored ATV insurance from Jim Kelly Insurance, you can ride with confidence. We can insure ATVs of all types, including four-wheelers, dune buggies and golf carts, and we will go the extra mile to help you get the specialized coverage you deserve. 

To get your policy solutions today, just call us at 847-367-1234, or request your free quote online now. 

What is ATV Insurance? 

ATVs come in many shapes and sizes, but they have a lot of the same operating risks as the average automobile. Should wrecks, injuries, accident lawsuits or other incidents arise, the resulting costs might be significant. An ATV insurance policy is specifically designed to cover these costs. It will enable the vehicle owner to move on from the challenge with minimal personal financial loss. 

What Does ATV Insurance Cover? 

The coverage offered by most ATV insurance plans include: 

• Bodily injury liability coverage—Pays for a third party’s medical bills when the ATV owner is at fault for an accident
• Property damage liability coverage—Pays for damage to a third party’s property when the ATV owner is at fault for an accident
• Collision coverage—Covers damage to your ATV after a wreck
• Comprehensive coverage—Pays for ATV damage from non-accident mishaps (e.g., vehicle fires or severe weather)
• Uninsured motorist coverage—Insures your vehicle against damage caused by someone else who doesn’t have appropriate liability coverage 

Other perks that you can use to your advantage include custom parts coverage or gear and accessories coverage. 

Is ATV Insurance Required in Illinois? 

In Illinois, you are not required to carry ATV insurance if you operate your vehicle off-road. However, if you use your vehicle on public roadways, you must have minimum levels of coverage.  

Regardless of requirements, however, it is always better to carry expansive liability and physical damage coverage on your vehicle. Let your Jim Kelly Insurance expert help you choose a policy that meets your legal requirements and is still adaptable to your coverage needs. 

How Much Does ATV Insurance Cost? 

The cost of your ATV policy will vary based on numerous factors. These include the type of vehicle you are insuring, the value of that vehicle, your location, your driving record and the scope of the policy you select.  Jim Kelly Insurance is partnered with some of the best ATV insurance providers in the industry. We can ensure that the policy you choose will always offer you the best opportunities to save on your rates. 

Call us today at 847-367-1234 to unlock the best savings opportunities for your ATV insurance policy.