Get A Quote For Maryland and Pennsylvania ATV & Off Road Vehicle Insurance
Ensure your adventures are protected with the right ATV or UTV insurance! Whether you are a serious rancher in Maryland or Pennsylvania or a weekend adventurer, having insurance guarantees coverage for any injuries, damages, or repairs 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!
Maryland & Pennsylvania ATV insurance discounts
Safety course
A discount on your ATV insurance plan is available if you have completed an authorized safety course for ATVs, motorcycles, or snowmobiles in the past three years.
Multi-policy
If you have an existing policy with Downes Insurance—be it auto, renters, RV, or boat insurance—we'll provide a discount for combining it with your ATV policy.
Pay in full
Pay your ATV insurance policy in full, up front, and we’ll add another discount.
Responsible driver
Drivers who demonstrate safe driving practices deserve recognition, and you will qualify for a discount if you have not experienced any accidents or received any traffic violations in the last three years.
Quote in advance
To qualify for a discount, make sure to get a quote at least one day before your policy begins. For example, if you quote on March 19, you can initiate your policy on March 20 or a later date.
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 Maryland ATV insurance
Is ATV insurance/UTV insurance required?
While not every state requires insurance for your ATV or UTV, certain locations where you ride, such as RV trails and public parks, may have their own regulations. Additionally, if you are financing your vehicle, some lenders may insist on having both comprehensive and collision coverage. Collision coverage assists in covering damages resulting from an accident involving your quad or ATV, whereas comprehensive coverage protects against theft, vandalism, and damages caused by non-collision events, including weather-related incidents 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 ATV/UTV insurance?
The cost of your insurance is influenced by several factors such as your age, driving record, and the make and model of your vehicle, as well as your location. Downes Insurance can provide you with a quote for quad or side-by-side insurance to assist in calculating your ATV insurance rate.
Do companies insure all ATV, UTV, and side-by-side brands?
They insure nearly all popular makes and models, including but not limited to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki.