ATV & UTV Insurance in Michigan — On-Trail and Off
Michigan's forests and trails are made for ATVs, UTVs, and side-by-sides. We cover your machine wherever the trail leads — from private property to ORV routes.
What Is ATV & UTV Insurance?
Michigan has one of the largest Off-Road Vehicle (ORV) trail networks in the country, with thousands of miles designated for ATVs, UTVs, and side-by-sides in state forests, parks, and private trail systems. Riding these trails legally requires the proper DNR registration and, increasingly, proof of liability insurance. Your homeowners and auto policies don't cover ATVs on public trails — dedicated ATV/UTV insurance through Foremost fills the gaps with coverage built for off-road recreation.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers bodily injury and property damage you cause to others while operating your ATV or UTV on Michigan's ORV trail system.
Pays for repairs or replacement if your ATV/UTV collides with another vehicle, tree, rock, or object on or off trail.
Covers theft, fire, vandalism, and weather damage — ATVs and UTVs are frequently stolen from storage and trailheads.
Covers medical bills for you and your passengers after an ATV/UTV accident, regardless of who was at fault.
Protection if you're hit by another rider who has no insurance — more common than you might think on informal trails.
If a passenger in your UTV or side-by-side is injured and makes a claim against you, this coverage responds.
Winches, lift kits, custom wheels, sound systems, and other accessories can be scheduled for their full replacement value.
Your ATV trailer is included — protecting your transport equipment from collision, theft, and damage.
Who Needs This Coverage
Michigan DNR requires proper registration, and many trails and parks are moving toward requiring liability insurance.
Modern UTVs can cost $15,000–$35,000 or more. Collision and comprehensive protection is important for these significant investments.
Family rides often involve younger passengers in UTVs — passenger liability and medical coverage are especially important.
Using an ATV on your own property still creates liability exposure. Guests, neighbors, and even trespassers injured on your property may have claims.
High-performance machines are more likely to be involved in serious accidents and more expensive to repair — robust coverage is prudent.
Multi-unit discounts allow you to insure multiple off-road vehicles on one policy at a lower per-unit cost.
Frequently Asked Questions
Protect Your Ride on Every Michigan Trail
Foremost ATV & UTV coverage — trail liability, collision, theft, and accessories. Free quote in minutes.