Off-road insurance
Enjoy coverage for your snowmobile, golf cart, ATV, UTV or other off-road vehicles.
Or have an agent contact me.
What sets State Farm® Off-road Vehicle Insurance apart?
19,000 agents
You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.
Since 1922
At your service
You get your claim handled promptly and reliably.
At your side
You may be eligible for 24/7 roadside assistance coverage.
Types of off-road vehicles insured
State Farm offers off-road vehicle insurance for multiple sports and leisure types.
- All-terrain vehicles and utility task vehicles
- Dune buggies
- Golf carts
- Minibikes
- Snowmobiles
- Trail bikes
- Side-by-sides
What off-road vehicle insurance covers2
Riding means staying aware of your surroundings, anticipating weather and the moves of others around you. Since your homeowners policy does not extend to vehicles, you need off-road insurance in case of an accident to help cover you even on your own property.
Like your auto policy, this insurance has similar coverages for you to select such as bodily injury, property damage, comprehensive, collision, uninsured motorist and medical payments coverage. Property covered can vary, so what coverages are available?
- Bodily injury to someone else or property damage that you accidentally caused while driving your snowmobile, golf cart, ATV, or other off-road vehicles
- Bodily injury to yourself because of an accident with an uninsured rider
- Damage to your snowmobile, golf cart, ATV, or other off-road vehicles caused by an accident
- Theft, fire, vandalism, and other losses even while your snowmobile is in storage
Coverage in action
Let’s say you accidentally smack into a stump on your snowmobile and bend the track and skis. Off-road insurance would help cover the repairs to your vehicle.
Frequently asked questions about off-road coverage
Not likely. Most homeowners policies exclude motor vehicles.
Most states require a minimum of liability coverage, but you might want more protection.
Choosing between a gas or electric golf cart depends on how you'll use the golf cart and a few other factors like range, indoor or outdoor use, maintenance costs and more. Want more details?
For starters, apply these rules when you’re carting around.
- Read the owner's manual for important safety information to get to know your vehicle.
- Check state laws for driving golf carts off the golf course, including any age or licensing requirements.
- Only carry the number of passengers for which you have seats.
- Establish a regular maintenance schedule.
- Stay away from your golf cart and golf clubs during lightning.
- Remove any valuables from the cart when leaving it.
If you're new to snowmobiling, you may not be familiar with all the preparation that goes into a day on the trails. It’s more than just these simple tips to help you stay safe before you ride. It’s insights into proper gear, riding tips, and trail safety.
- Contact your insurance agent to review your riding history and discuss ways to help protect yourself with snowmobile insurance.
- Check your state and local requirements regarding licensing, safety certificates, and any additional training.
- Register your snowmobile and check that your current registration decal is applied.
- Inspect your fuel and fluid levels along with the overall condition of your machine.
- Review the weather forecast before you leave for the day, paying attention to both the temperature and the wind chill.
Check with your state about local requirements or certifications. Rules differ by state and some require registration.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Additional vehicle insurance
Car insurance
Coverage for your auto
Motorcycle insurance
Coverage for your motorcycle
Boat insurance
Coverage for your watercraft
RV insurance
Coverage for your motorhome
Travel trailer insurance
Coverage for your travel trailer
Antique car insurance
Coverage for your antique car
Simple Insights®
Looking for help protecting your off-road vehicle? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Rules for operating an ATV
Tips for storing your ATV
Snowmobile tips for beginners
Tips for camping safely1 Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2022.
2 An off-road insurance policy covers you even on your own property as your homeowners policy does not extend to vehicles. Like your auto policy, this insurance offers similar coverages for you to select such as bodily injury, property damage, comprehensive, collision and applicable endorsements.
This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information on snowmobile insurance see a State Farm agent.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
Richardson, TX