Question 1

Do you write insurance for Polaris RZR?

Accepted Answer

Yes — we insure all years and submodels! Whether you're riding a brand-new RZR Pro R or an older RZR 800, we can get you a policy.

Question 2

How much is insurance for a side by side?

Accepted Answer

It depends on your state, your driving record, your credit, and your location. There are many other factors like the value of the side-by-side also. The best way to get an exact number is a quick quote.

Question 3

Do you need to insure a side by side?

Accepted Answer

If you have a loan, yes. If you drive it on the road, yes. If you worry about theft, lightning, flood, windstorm, hail, and fire, yes. If you don't worry about risks for yourself, worry about injuring others in an accident — RZR insurance covers bodily injury and property damage.

Question 4

What is the average cost of UTV insurance?

Accepted Answer

It ranges from $25–$100+ a month, depending on your coverage limits, the value of your machine, your state, and your driving history.

Question 5

How do you find the best RZR insurance?

Accepted Answer

Speak with an agent that knows your RZR and enjoys riding with you! That's exactly the kind of agent you'll get here.

Question 6

What UTV and side-by-side brands do you insure?

Accepted Answer

We insure Polaris RZR, Can-Am Maverick and X3, Yamaha YXZ, Kawasaki Teryx, Honda Talon, and other major side-by-side brands — all years and submodels.

Question 7

Can you insure a UTV that's used for hunting or ranch work, not just recreation?

Accepted Answer

Yes. Let us know how you actually use the machine — pure recreation, hunting, ranch/farm utility, or a mix — so we can match you with a policy written for that use.

Question 8

Do I need a separate policy for each machine if I own more than one?

Accepted Answer

Not necessarily — many riders with multiple UTVs, ATVs, or side-by-sides can insure them on a single multi-unit policy, often with a discount for doing so. Ask us about bundling your fleet.

Question 9

What's the difference between liability and physical damage coverage?

Accepted Answer

Liability covers injury or damage you cause to other people or their property. Physical damage (comprehensive and collision) covers your own machine against theft, weather, fire, and collision damage.

Question 10

Are my aftermarket parts and accessories covered automatically?

Accepted Answer

Not automatically — a stock policy is based on factory value. Roll cages, winches, light bars, and other upgrades should be scheduled onto your policy so a claim actually pays for what you built.

Question 11

Does my policy cover me if I ride on someone else's property or a rented UTV?

Accepted Answer

Liability coverage generally follows you rather than staying tied to a single machine, though the details vary by policy. Tell us your riding situation and we'll confirm exactly how your coverage applies.

Question 12

Is medical coverage for me and my passengers included?

Accepted Answer

Medical payments coverage — which pays for you and your passengers' injuries regardless of fault — is available and recommended alongside liability coverage. It's not always automatic, so make sure to ask for it.

Question 13

What is agreed value coverage and do I need it?

Accepted Answer

Agreed value locks in a set payout for your machine in a total loss instead of a depreciated actual-cash-value settlement. It's especially worth it for newer or heavily upgraded machines.

Question 14

Is my trailer covered under my RZR policy?

Accepted Answer

Not automatically — trailers typically need their own coverage for theft and damage. We can add trailer coverage alongside your machine's policy so both are protected.

Question 15

What affects how much I pay for UTV insurance?

Accepted Answer

Your state, driving record, credit, the value of your machine (including upgrades), your coverage limits and deductible, and how you use the machine (recreational vs. commercial) all factor into your premium.

Question 16

Will insuring multiple machines lower my cost per unit?

Accepted Answer

Often, yes. Bundling multiple UTVs, ATVs, or trailers onto one policy frequently earns a multi-unit discount compared to insuring each machine separately.

Question 17

My RZR is financed — what coverage does my lender require?

Accepted Answer

Lenders almost always require comprehensive and collision coverage with them listed as lienholder for the life of the loan. Skipping it can trigger expensive force-placed insurance from the lender.

Question 18

What happens if my coverage lapses on a financed machine?

Accepted Answer

Your lender can typically force-place their own insurance on your behalf, which is usually far more expensive and only protects their interest, not yours. Keeping continuous coverage avoids that entirely.

Question 19

Am I covered if I roll my RZR on a trail?

Accepted Answer

Collision coverage responds to rollovers regardless of fault, and if the roll cage, seat belts, or other safety gear is scheduled as an accessory, that's covered too. Liability and medical payments coverage handle injuries to others or your passengers.

Question 20

What do I do immediately after a UTV accident?

Accepted Answer

Get everyone medical attention first. Then document the scene with photos, get contact info for anyone involved, and call us or your carrier's claims line as soon as it's safe to do so — the sooner a claim is reported, the smoother it typically goes.

Question 21

Does my policy cover trail recovery if I get stuck or break down far from the trailhead?

Accepted Answer

It can — roadside and trail recovery assistance is available as an add-on to help with towing, winching, and mechanical breakdowns in remote terrain.

Question 22

Do I need insurance if I only ride on private land I own?

Accepted Answer

It's not always legally required on private property, but it's still worth carrying. Theft, fire, weather damage, and injuries to guests or family riding with you don't check whether you're on public or private land.

Question 23

How fast can I get a policy in place?

Accepted Answer

In most cases we can turn around a quote and get you bound same-day. Use our online quote form or call 844-967-5247 and we'll get you moving quickly.

Question 24

Do you work with riders in every state?

Accepted Answer

Yes, we're licensed in all 50 states. Wherever you ride, we can help you get properly covered.

Question 25

What information do I need to get a quote?

Accepted Answer

Your machine's year, make, and model, roughly how you use it, any aftermarket upgrades, your state, and a little bit about your driving history. We'll walk you through the rest.

RZR & UTV Insurance FAQ

Getting Covered

Cost

Coverage

Financing

Riding & Claims

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