✅ Low Monthly Rates
Budget-friendly premiums that don’t bully your bank account.
ATV Insurance That Goes the Distance
Affordable coverage to protect your ride, your adventures, and your peace of mind
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Protecting your life and future
Protect What Drives You, From the Car to the People Inside.
Whether exploring, One Point Insurance has you covered.
What We Insure: From Classic Cars to Off-Road Adventures
Why ATV Insurance Matters
Why Do You Need ATV Insurance?
Riding an ATV comes with thrills, and risks. A single accident can lead to costly repairs, injuries, or even lawsuits if someone else is hurt. Theft and vandalism are also common, leaving you with unexpected bills. Without proper insurance, medical expenses, liability claims, and replacing your ATV could all come straight out of your pocket
Benefits of ATV Insurance
🛡️ Liability & Collision Protection
Coverage if you’re at fault, safeguard your savings and your sanity.
🌍 Nationwide Coverage
Wherever you ride, your policy rides too, city to suburbs and back.
⚡ Fast Claims Process
Submit, approve, done. Quick turnarounds so you’re back on the road.
Coverage Options
Core protections and popular add-ons for quads and side‑by‑sides.
Liability Insurance
Covers bodily injury & property damage you cause to others while riding.
Collision Coverage
Pays to repair or replace your ATV after a covered collision with a vehicle or object.
Comprehensive Coverage
Protects against theft, vandalism, fire, weather events, and other non‑collision losses.
Uninsured/Underinsured Motorist
Helps cover injuries and damages if the at‑fault rider doesn’t have adequate insurance.
Medical Payments
Helps pay medical bills for you and passengers after a covered incident, regardless of fault.
Accessory & Custom Parts
Extends coverage to racks, lights, winches, wraps, and other aftermarket upgrades.
Roadside & Recovery
Helps with towing, winching, or recovery if your ATV breaks down or gets stuck.
Transport Trailer Coverage
Protects the trailer you use to haul your ATV against covered losses.
Auto Insurance Coverages
Liability Insurance
The Legal Foundation of Every Policy
- Covers injuries and property damage you cause to others in an accident where you’re at fault.
- Pays for medical expenses, vehicle repairs, and legal fees if you’re sued.
- Does not cover your own injuries or your car’s damages.
- Required by law in most states to drive legally.
- We recommend limits high enough to protect your assets and future earnings.
Collision Coverage
Protecting Your Own Vehicle
- Pays for damage to your car if you hit another vehicle or object, regardless of fault.
- Covers accidents with cars, poles, fences, guardrails, and more.
- Helps get your car repaired or replaced quickly.
- Often required if you finance or lease your vehicle.
- Comes with a deductible you choose — higher deductibles mean lower premiums.
Comprehensive Insurance
The Unexpected Safety Net
- Protects your vehicle from non-collision events like theft, fire, vandalism, or weather damage.
- Covers incidents like hailstorms, floods, falling trees, or hitting an animal.
- Helps pay for repairs or replacement if your car is totaled.
- Required by lenders for financed or leased cars.
- Pairs well with collision coverage for full vehicle protection.
Uninsured & Underinsured Motorist (UM/UIM)
Shielding You from Risky Drivers
- Covers your expenses if you’re hit by a driver with no insurance or not enough insurance.
- Pays for medical bills, lost wages, and sometimes vehicle damage.
- Protects you in hit-and-run accidents.
- Essential in states with high rates of uninsured drivers.
- Helps avoid financial hardship from someone else’s irresponsibility.
Medical Payments (MedPay) / PIP
Healing Without the Hassle
- Covers medical expenses for you and your passengers, regardless of fault.
- PIP may also cover lost wages, rehabilitation, and essential services.
- Helps avoid out-of-pocket costs after an accident.
- Available in most states; PIP is required in “no-fault” states.
- Provides peace of mind knowing treatment costs are handled quickly.
Roadside Assistance
Peace of Mind on Every Journey
- Provides help if your vehicle breaks down or you’re stranded.
- Includes towing, battery jump-starts, fuel delivery, tire changes, and lockout service.
- Covers emergencies 24/7, anywhere in the covered area.
- Costs far less than paying out-of-pocket for each service.
- Great for long drives, road trips, and daily commuters.
Rental Reimbursement
Stay Mobile After a Claim
- Covers the cost of a rental car while yours is being repaired after a covered accident.
- Helps you stay mobile for work, school, or errands.
- Usually pays a set daily limit for rental costs.
- Available for both at-fault and not-at-fault claims (when covered).
- Ensures you’re not left without transportation.
Gap Insurance
Covering the "In‑Between" on New Cars
- Pays the difference between your car’s value and what you owe on your loan or lease.
- Vital if your vehicle is totaled and you owe more than it’s worth.
- Prevents you from being stuck with a loan for a car you can’t drive.
- Often required for leased vehicles.
- Usually inexpensive but saves thousands in the right situation.
OEM Parts Coverage
Original Parts for Better Repairs
- Ensures your vehicle is repaired with Original Equipment Manufacturer parts.
- Maintains your car’s safety, performance, and resale value.
- Prevents the use of cheaper aftermarket parts.
- Especially important for newer or luxury vehicles.
- Helps keep your car as close to factory condition as possible.
Custom Equipment Coverage
Protecting Add‑Ons and Upgrades
- Protects aftermarket and custom parts added to your vehicle that aren’t covered by standard policies.
- Includes rims, sound systems, lift kits, custom paint, performance upgrades, and specialty lighting.
- Pays for repair or replacement if custom parts are stolen or damaged in a covered event.
- Ideal for car enthusiasts, off-road vehicles, or work trucks with specialized gear.
- Keeps your investment in upgrades protected without risking out-of-pocket loss.
Liability Insurance: The Legal Foundation of Every Policy
Collision Coverage:
Protecting Your Own Vehicle
Comprehensive Insurance: The Unexpected Safety Net
Roadside Assistance: Peace of Mind on Every Journey
Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers
Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers
Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle
Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle
Gap Insurance: Covering the "In-Between" on New Cars
OEM Parts Coverage: Original Parts for Better Repairs
Custom Equipment Coverage: Protecting Add-Ons and Upgrades
Bundle and save!!
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
ATV + Auto Insurance
Protect your ATV and your everyday ride in one bundle while saving on premiums.
ATV + Home Insurance
Combine your ATV with your home coverage to secure both your property and your off-road fun.
ATV + Umbrella Coverage
Add an umbrella policy to your ATV insurance for broader liability protection and peace of mind.
ATV + More Bundles
Ask about ATV bundles with renters, motorcycle, or even health insurance for complete coverage.
Ready to Start Driving Smarter?
Let OnePoint Insurance help you compare coverages, maximize your discounts, and protect your drive
Save Even More with Exclusive Discounts
Your ATV insurance shouldn’t break the bank. Here’s how you can lower your premium.
Safe Driver Discount
If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.
Multi-Policy Discount
Bundle your ATV insurance with your home, renters, or life policy and save more.
Safety Course Discount
Discounts obtaining the ATV safety Course Certification.
How it Works
Getting Covered is Simple
Three quick steps. Zero stress.
-
Request a Quote
Fill out a quick form
-
Customize Your Plan
Choose coverage that fits your needs
-
Get Covered
Instant protection, ride worry‑free
Ready to protect your ATV and your adventures?
Why Choose OnePoint Insurance?
Here’s what makes OnePoint stand out from the rest:
Personalized Coverage – Policies tailored to fit your ATV lifestyle, not just the basics.
Affordable Rates – We shop multiple top-rated carriers to find the best deal.
Trusted Expertise – Agents who understand ATV risks and how to protect you.
Fast, Friendly Support – Real people ready to help, not endless hold music.
Ride with confidence, insured by one point
Customize Your Coverage
Whether you're seeking basic protection or full peace of mind, we offer flexible auto insurance options built around your life
Exclusive Insurance Discounts
Safe Driver Discount
If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.
Learn MoreMulti-Policy Discount
Bundle your auto insurance with your home, renters, or life policy and save more.
Learn MoreAuto Insurance + Home Insurance
Save more when you insure both your home and vehicle through OnePoint.
Read More →Auto + Condo Insurance
Live in a condo? Combine your condo and auto policies for extra savings.
Read More →Auto + Renters Insurance
Protect your apartment and your car under one policy and cut your rate.
Read More →More Bundles = More Savings
Ask about additional bundling options, including boat, personal items, and umbrella insurance.
Read More →Featured Carriers We Trust
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
At OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
Trending Topics:
Life Insurance 101: How Much Do You Really Need?
Health Plans Decoded: Copays, Deductibles, and What They Really Mean
ABOUT OUR INSURANCE
We’ll Ensure You Always Get the Best Guidance
OnePoint Insurance Resources Find answers to your insurance questions, insights into current trends,
and tools for navigating life in our resource center.
Business Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Health Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Auto Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Home Insurance
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Client Tools
Real PEOPLE FEEDBACK
Trusted by Clients – Delivering Excellence and Reliability Across Borders.
Coverage Area Map
Stay informed, Be protected. Sign up for OnePoint’s Monthly Insurance update Newsletter
Frequently Asked Question
Is ATV Insurance required by law?
It depends on your state. Some states require liability coverage to ride on public lands or roads, while others leave it optional. Even if it’s not required, it’s highly recommended for financial protection.
Does my Homeowners Insurance Cover my ATV?
In most cases, no. Homeowners policies usually exclude off-road vehicles like ATVs, meaning you’ll need a separate policy for proper protection.
Can I bundle ATV Insurance with my Auto or Home policy?
Yes! Bundling with your auto, motorcycle, or home insurance can save you money and simplify your coverage.
What Types of damages are covered?
Coverage depends on your policy, but most include liability, collision, and comprehensive options to protect against accidents, theft, vandalism, and weather-related damage.
How much does ATV Insurance typically cost?
Rates vary based on your ATV type, riding habits, and coverage level. On average, policies are affordable, especially when bundled with other insurance.
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
COMPANY
CLIENT TOOL
CONTACT INFORMATION
555 NorthPoint Center E, Alpharetta, GA 30022
Servicing Families and Business in:
Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.