RZR & UTV Insurance Coverage

Everything a side-by-side owner needs — and the coverage most policies leave out. All years and submodels insured.

RZR & UTV Liability Insurance

Liability coverage is the foundation of a RZR or UTV policy — it responds when your machine injures someone else or damages someone else's property, on the trail, in the dunes, or on a public road.

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RZR & UTV Physical Damage Insurance

Physical damage coverage protects the machine itself — repairing or replacing your RZR, UTV, or side-by-side after a collision, rollover, theft, or weather event.

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RZR Accessories & Modifications Coverage

Most RZR and UTV owners upgrade their machine — a roll cage, a winch, a light bar, a stereo. Accessories & modifications coverage makes sure those upgrades are actually insured, not just the factory machine underneath them.

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UTV Medical Payments & Uninsured Motorist Coverage

Medical payments coverage pays for your own and your passengers' injuries regardless of who caused the accident. Uninsured/underinsured motorist coverage protects you when the other party has no insurance — or not enough.

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Agreed Value UTV Insurance

Agreed value coverage sets your machine's insured value up front and pays that full amount in a total loss — no depreciation argument, no surprise lowball settlement.

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UTV Trailer Insurance

If you tow your side-by-side to the trail, the trailer is a piece of exposure most riders forget to insure — theft, damage, and the road liability that comes with towing.

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UTV Roadside & Trail Recovery Assistance

Roadside and trail recovery assistance gets you and your machine off the trail and home when a breakdown, flat, or stuck machine leaves you stranded far from help.

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Financed & Leased RZR/UTV Insurance

If you have a loan on your RZR or UTV, your lender requires specific coverage — typically comprehensive and collision with the lienholder listed — before they'll release the title or continue financing.

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Not Sure Which Coverage You Need?

Most riders end up with a combination of liability, physical damage, and accessories coverage. Tell us about your machine and we'll recommend the right package.

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Or call 844-967-5247

Ready to Get Your RZR Covered?

Same-day quotes, all years and submodels insured. Speak with an agent who knows your machine.

Get a Free Quote 844-967-5247