Off-Road Vehicle Insurance
Coverage Beyond the Pavement
Whether you’re working a ranch, exploring trails, or just enjoying time off the beaten path, off-road vehicles deserve real protection. We offer insurance policies for ATVs, UTVs, dirt bikes, side-by-sides, and other recreational vehicles—built for the way West Texans ride.
What Your Off-Road Vehicle Insurance Can Include
Liability Coverage
Covers injury or property damage you may cause while operating your off-road vehicle.
Collision Coverage
Pays for repairs or replacement if your vehicle is damaged in a crash, regardless of who’s at fault.
Comprehensive Coverage
Protects against theft, fire, vandalism, falling objects, and weather-related damage.
Uninsured/Underinsured Motorist Coverage
Provides coverage if you’re hit by someone with little or no insurance, including on private land.
Accessories & Equipment Coverage
Covers upgrades like custom tires, winches, racks, and mounted gear.
Transport Trailer Coverage
Insures the trailer used to haul your off-road vehicle between locations.
Built for West Texas Terrain
Rugged land calls for rugged protection
From pastureland in Hale County to trailheads near the Caprock, off-road riding is part of life in this region. But rural use comes with risks: rollover accidents, barbed wire, theft from barns or sheds, and wind or hail damage during storage. Many local owners also use these vehicles for both work and recreation—blurring the lines between farm equipment and weekend toys. We help riders across Abernathy, Lubbock, and surrounding areas find coverage that reflects how and where their vehicles are used.
Frequently Asked Questions
Is off-road vehicle insurance required in Texas?
Off-road insurance isn’t required by Texas law for private land use, but it may be required if you ride in public parks or transport your vehicle on public roads. Some ranch owners and recreational riders choose to insure anyway to protect against theft, damage, or injuries. If you finance your ATV or UTV, your lender will likely require comprehensive coverage. We’ll help you determine what’s required based on how you use your vehicle.
Can I insure my side-by-side even if it’s only used on private land?
Yes, you can and should. Many accidents happen on private property, including collisions with obstacles or passengers getting injured. Your homeowners policy may not cover these types of claims. We recommend dedicated coverage for your off-road vehicle even if it never leaves your property.
What types of off-road vehicles can you insure?
We insure a wide variety of off-road vehicles including ATVs, UTVs, dirt bikes, dune buggies, and golf carts. As long as your vehicle is used for recreation, utility, or farm work, there’s likely a policy that fits. If you’re not sure whether your vehicle qualifies, we’ll walk through the options with you. Coverage can also vary based on how it’s used—so tell us whether it’s for work, fun, or both.
How much does off-road insurance cost in Texas?
Most off-road vehicle policies in Texas range from $100 to $300 per year, depending on your vehicle type, coverage limits, and usage. Adding accessory coverage or bundling with home or auto can affect your rate. We’ll help you customize a policy that fits your needs and budget. It’s more affordable than most people expect.
Does insurance cover my trailer or equipment too?
Yes, we can add coverage for the trailer used to haul your off-road vehicle, as well as accessories like plows, cargo racks, or GPS mounts. These items often represent a significant investment. If it’s attached to or used with your vehicle, we can likely cover it. Let us know what’s part of your setup, and we’ll build the right protection around it.
