Getting mud on the tires is your job. Protecting you while you do it is ours. OKFB Insurance offers flexible and affordable ATV & UTV insurance designed for Oklahomans. 

Work with our OKFB agent to customize your coverage, find every possible discount (like multi vehicle discount), and ride with the confidence that you’re properly insured by a company that’s right here with you.

How Much ATV/UTV Insurance Coverage Do I Need?

Choosing the right coverage is about finding the sweet spot: enough protection for peace of mind, without paying for more than you need. A OKFB agent helps you find that balance by looking at the key factors:

  • Your machine’s full value, including any custom parts or accessories.
  • Sufficient liability coverage to protect your personal assets from a lawsuit.
  • Minimum insurance requirements for any Oklahoma parks, trails, or lenders.

Our OKFB agent is your best resource to navigate these factors and build a custom-fit policy for your off-road adventures.

ATV/UTV Coverage Options & Features

Understanding “what does ATV/UTV insurance cover” is the first step to building a policy that truly protects you. Below are the core features and options you can choose from, covering everything from liability in an accident to theft from your property.

Liability Coverage

Liability coverage helps protect you financially in the event of a liability claim or lawsuit due to bodily injury or property damage caused by your covered ATV or UTV.

Medical Payments 

Medical Payments coverage pays for certain expenses related to injury or death that you or other insured persons sustain from an accident involving your off-road vehicle, regardless of fault.

Comprehensive Coverage

This protects your investment from non-collision events. It pays for incidents including but are not limited to: theft, fire, vandalism, hail on your vehicle. This is essential protection for when your vehicle is parked.

Collision Coverage

This covers the cost to repair or replace your own ATV or UTV after a collision. Whether you hit a tree on a tight corner, collide with another vehicle, or roll your machine in rough terrain, this coverage is what gets it back on the trail.

INSURANCE CREDITS & DISCOUNTS

We offer a discount to off-road vehicle policyholders who qualify under the program listed below.

Multi-Vehicle Discount

A multi-vehicle membership discount may apply when two or more vehicles are insured with OKFB.

PAYMENT OPTIONS & PREFERENCES

Convenient Payment Options

We offer many ways to conveniently pay your off road vehicle insurance premiums. Choose from a full payment, quarterly payments or a monthly automatic draft from your bank account. Check with an OKFB agent to see which option may be best for you.

Do you need to change your premium payment preferences?

We understand life happens. That’s why we allow our policyholders to easily update their payment preferences. Contact your OKFB agent to make a change.