All You Need to Know About UTV Insurance

If you have recently purchased a UTV and are curious whether to get insurance coverage, this guide is for you. Keep reading this guide to learn more about UTV insurance and explore various policies that meet your needs. If you have more questions, contact Quality Equipment Sales and Service, Inc. for a friendly chat with our team.

Do You Need Insurance?

Although many states in the USA don’t require insurance on UTVs, you will still want to get coverage for your model. Insurance policies cover you against damages and theft and give you the peace of mind you need when accomplishing tasks at your job site or chasing an adrenaline rush on the trail.

Types of Insurance

There are different types of UTV insurance, and you will want to select the one that provides you with the most coverage for your situation.

Commercial vehicle insurance is for those who use their UTV for work. If you use your machine for farm work or to haul equipment and workers at a construction project, you should get commercial insurance to cover damages caused at work. But, if you use your side-by-side for recreational riding, getting insurance for personal use will be the better option.

When exploring UTV insurance policies, factor in your model’s type and the terrain where you plan to drive it—for example, a six-seater model will need comprehensive coverage, and a two-seater will do with a basic one. No matter which one you choose, be sure that it covers your medical costs and protects you from collision and damage to property.

Shopping Tips

We often recommend that our customers compare policies to identify the one that fits their needs. Ideally, you want an insurance option that offers maximum coverage from theft, vandalism, and other damage.
If you need more advice or are still in the market for a UTV, visit Quality Equipment Sales and Service, Inc. We have dealerships in Brainerd and Faribault, MN, and we are proud to serve those from Minneapolis.