ATV & Snowmobile Insurance for Wisconsin Riders
From off-road trails in Kettle Moraine to snow-covered routes in Eagle River, Wisconsin’s outdoor season doesn’t stop. Whether you ride a 4-wheeler in the summer or hit the snowmobile trails all winter long, the right insurance makes sure your fun doesn’t turn into a financial setback.
We offer ATV & snowmobile insurance in Wisconsin that covers what your homeowners or auto policy usually won’t — things like trail riding liability, collision damage, and theft. And since most policies can be seasonal, we’ll make sure you’re not paying for coverage when your gear is stored for the off-season.
What’s Covered by ATV & Snowmobile Insurance?
Off-road vehicles come with their own risks — and your standard insurance may not follow you onto the trail. Here’s what dedicated coverage typically includes:
Liability Coverage
If you injure someone or damage property while riding, liability insurance helps cover those costs. Important for riders who use public trails or cross roads.
Collision Coverage
Pays for repairs or replacement if your sled or ATV is damaged in an accident — whether it’s a rollover, trail crash, or collision with another rider.
Comprehensive Coverage
Covers non-collision risks like fire, vandalism, or theft — especially important if you store your gear off-site or use trailheads in remote areas.
Medical Payments
Helps cover medical expenses for you or a passenger if you're hurt while riding, regardless of fault.
Uninsured/Underinsured Rider Coverage
Some policies offer protection if another rider causes damage or injury but doesn't have insurance.
Is ATV or Snowmobile Insurance Required in Wisconsin?
Wisconsin does not legally require insurance for ATVs or snowmobiles used on private property. But if you:
- Ride on public trails or cross public roads
- Register with a snowmobile club
- Participate in group rides or events
- Transport your vehicle to trailheads
- Own an expensive sled or off-road machine
…then coverage is a smart move. Some trail systems, event organizers, or landowners may require proof of liability insurance.
Common Scenarios Where Off-Road Coverage Pays Off
- Your ATV tips and damages the frame
- You clip another sled while trail riding near Minocqua
- Someone steals your UTV from your detached garage
- You or a guest are injured in an accident and need medical care
- Your snowmobile trailer is vandalized while parked overnight
A standard homeowners or auto policy typically won't cover these situations — or will only provide very limited coverage (and no liability protection off your property). A dedicated powersports policy fills the gap.
Can I Insure My ATV or Sled for Just the Season?
Yes, many carriers offer seasonal or lay-up coverage. We’ll build a plan around how and when you ride — so you’re protected during peak season, but not overpaying when your vehicle is in storage.
FAQs Wisconsin Riders Often Ask
Do I need insurance for trail riding in Wisconsin?
Not by law, but it’s recommended — and some trail systems or events may require it. Liability coverage is especially important in shared trail settings.
Will my homeowners insurance cover my ATV or snowmobile?
Only partially. It may cover very limited property damage if stored at home — but not accidents, theft, or liability while riding.
Can I bundle my ATV or snowmobile insurance?
Yes. You may qualify for discounts by bundling with [auto insurance], [homeowners], or [umbrella insurance]. We’ll compare carriers to find the best combo.
Is UTV insurance different from ATV insurance?
Not really — both are covered under off-road vehicle policies. But UTVs (side-by-sides) tend to be more expensive and may need higher coverage limits.
How much does ATV or snowmobile insurance cost in Wisconsin?
Policies are often affordable — especially for seasonal use. Costs depend on your vehicle, riding style, and coverage levels. We’ll shop around for the best fit.
Request a Quote Before Your Next Ride
If you’re gearing up for sled season or hitting the dirt trails, let’s get your off-road coverage sorted. We’ll break down your options in plain English — and if you request a quote, we’ll even send you a $25 gas card as a thank-you.