Get A Quote For Delaware ATV & Off Road Vehicle Insurance
Protect your adventures with the right Delaware ATV or UTV insurance! Whether you're a dedicated rancher or a weekend thrill-seeker, having insurance ensures that you are covered for any injuries, damages, or needed for your all-terrain vehicle.
Please fill out the form below as completely as possible, and once you're done, click the Submit button. Your request will be processed promptly!
Delaware ATV insurance discounts
Safety course
If you’ve completed an approved ATV, motorcycle, or snowmobile safety course in Delaware within the past three years, you’ll receive a discount on your ATV insurance plan.
Multi-policy
Already have another Delaware policy, such as auto insurance, renters insurance, RV insurance, or boat insurance? We'll add a discount for bundling it with your ATV policy.
Pay in full
Pay your Delaware ATV insurance policy in full, up front, and we’ll add another discount.
Responsible driver
Safe drivers in Delaware deserve to be rewarded, and you’ll get a discount if you’ve had no accidents or motor vehicle violations in the last three years.
Quote in advance
Quote at least one day before your actual policy starts, and you'll get a discount. For example: Quote on March 19 and start your policy on March 20 or later.
Switch or transfer from another company
Already insured by another company? Switch to us, and we'll say thanks with another discount.
Pay on time
The easiest way to save! We'll give you this discount automatically with your first policy, and you'll have it at every renewal as long as you continue to pay on time.
Automatic bill-pay (electronic funds transfer)
Once you complete your quote, immediately sign up for automatic bill pay to lower your rate. All you need is a checking account!
Common questions about Delaware ATV insurance
Is Delaware ATV insurance and UTV insurance required?
Not all states mandate insurance on your ATV or UTV, but places where you ride might – like RV trails and public parks. Also, if you’re financing your vehicle, some lenders will require comprehensive coverage and collision coverage. Collision coverage helps pay for damages if your quad or ATV collides with another object. Comprehensive covers theft, vandalism, and damage from events unrelated to a crash, such as weather-related damage or flooding.
Is your four-wheeler covered by your home insurance policy?
Homeowners insurance typically covers your ATV for scenarios on your property only. That means you’ll need a separate ATV insurance policy for accidents that occur away from home.
How much is Delaware ATV/UTV insurance?
Your price depends on many factors, including your age, driving history, and your vehicle's make, model, and location. Downes Insurance can give you a quad insurance or side-by-side insurance quote to help determine your ATV insurance rate.
Can Downes Insurance insure all ATV, UTV, and side-by-side brands?
We insure nearly all popular makes and models, including but not limited to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki.