ATV & Off-Road Vehicle Insurance in Indiana
Local Indy guidance—statewide protection for the way you ride
Whether you’re exploring trails near Indy, rolling through southern Indiana woods, or hauling out for a long weekend, AOG Group | Allstate makes off-road insurance simple. Our licensed, friendly team pairs local service with clear options, so your coverage fits your machine, your upgrades, and your riding style.
Vehicles we insure (eligibility varies)
- ATVs / four-wheelers
- UTVs / side-by-sides (2–6 seats)
- Dirt bikes & dual-sports
- Dune buggies / sand rails (where eligible)
- Golf carts / neighborhood vehicles (usage rules apply)
- Trailered off-road rigs & accessories
Tell us where and how you ride—private land, trail systems, farm/ranch use—and we’ll tailor your policy accordingly.
What off-road insurance typically includes
- Liability (bodily injury & property damage): Helps protect your finances if you’re at fault in a covered incident.
- Uninsured/Underinsured Motorist: Helps when the other party has too little—or no—coverage.
- Medical Payments (MedPay): Helps with medical costs for you and eligible passengers after a covered accident (limits vary).
- Collision: Helps repair or replace your off-road vehicle after a covered crash, regardless of fault.
- Comprehensive: Helps cover theft, fire, vandalism, and certain weather damage—even when parked or stored.
Popular add-ons for Indiana riders
- Custom Parts & Accessories: Extra limits for tires/wheels, armor, winches, cages, light bars, performance parts, and more.
- Transport Trailer Coverage: Extend protection to the trailer you use to haul your machine.
- Riding Gear Coverage: Helps replace helmets, boots, and protective apparel after a covered loss.
- Roadside / Towing (where available): Assistance for breakdowns or tow needs (availability varies; ask for details).
- OEM Parts Preference: Where available, specify original equipment parts for repairs.
- Total Loss / Newer Vehicle Options: Ask about solutions that address early-ownership loss scenarios (varies by program).
Coverages, limits, deductibles, and availability vary by policy and state. We’ll review specifics with you before you buy.
Real-world scenarios we plan for
- Roll-over on a rocky climb: Collision helps with repairs; CPE (custom parts & accessories) helps with your upgrades.
- Stolen UTV from a storage unit: Comprehensive can respond, subject to your selected limits and deductible.
- Injury during a group ride: Liability/MedPay options help address medical bills and certain claims.
- Trailer jack-knife en route to the trail: Ask how your policy treats transport and trailer-related damage.
Smart ways to save (subject to qualification)
- Bundle & save: Combine off-road with auto, home, renters, or umbrella.
- Multi-vehicle discount: Insure more than one ATV/UTV/dirt bike.
- Safety course credits: Recognized rider training can help.
- Anti-theft & storage: Garaging, alarms, and GPS trackers may qualify.
- Responsible payer & claims-free savings.
Trail etiquette & safety we encourage
- Wear DOT-approved helmets and protective gear.
- Follow posted OHV rules and stay on designated routes.
- Don’t ride impaired; ride within skill and terrain limits.
- Keep proof of insurance handy when required by land managers or events.
Why AOG Group | Allstate
- Local experts, statewide reach: Indianapolis, Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Bloomington, Lafayette/West Lafayette, Muncie, Columbus, Terre Haute, Fort Wayne, South Bend, Evansville—we serve all of Indiana.
- Plain-English guidance: Side-by-side quotes for limits, deductibles, and accessory coverage—no guesswork.
- Fast proof of insurance: Digital ID cards and lender paperwork—handled quickly.
- Proactive reviews: Update coverage when you add passengers, upgrade suspension, or buy a new rig.
FAQs
Is my off-road vehicle covered under my homeowners policy?
Not typically. Most homeowners policies don’t cover ATVs/UTVs off your premises. A dedicated off-road policy helps protect on and off property, per policy terms.
Do I need insurance if I only ride on private land?
Liability and damage can still happen. Many riders carry coverage for theft, fire, and injury liability regardless of where they ride.
Are my custom parts covered automatically?
Policies often include a base accessory amount; heavier mods usually need higher CPE limits. We’ll help document your upgrades.
Does my policy cover passengers?
Passenger coverage varies by policy and selected limits (e.g., MedPay, liability). We’ll clarify how yours applies.
Is my trailer covered?
Trailers may need specific coverage; ask about options for the trailer that hauls your ATV/UTV.
What about street-legal conversions?
If your vehicle is titled/registered for road use, coverage and underwriting rules change. Tell us how it’s set up and where you ride so we can match the right policy.
Our simple process
- Ride profile & quote: Machine type, VIN, upgrades, where you ride, and how you transport it.
- Customize your plan: Choose limits, deductibles, and add-ons (CPE, trailer, gear, roadside).
- Bind & ride: Instant ID cards; lender/DMV docs handled fast.
- Annual tune-up: Adjust coverage when you add parts or buy a new rig.
Ready to insure your next adventure?
Let’s build an off-road policy that fits your machine—and your weekend plans. Request a custom quote from AOG Group | Allstate in Indianapolis—serving riders across Indiana.
Disclosures: Product features, underwriting, discounts, and availability vary by policy form and state. Terms, limits, conditions, and exclusions apply. Coverage is determined by the policy documents issued. We’ll review specifics with you before you buy.
