ATV

With liability only or full coverage available and minimum premiums as low as $75, this is coverage your insured cannot afford to go without!

 

  • Traditional ATVs, Sport ATVs, Utility vehicles and Dirt bikes
  • Direct-billed policies
  • Younger operators are eligible on units 251 CCs and smaller
  • Up to 10 driver points allowed
  • Many discount opportunities including those for transfer, multiple units, and loss free renewals
  • Limits up to 250/500/100
  • Protection for add-ons such as racks, trunks, winches, and other permanently attached accessories
  • Various payment options
  • $1000 accessories included

headset Call for questions or a quote: 800-442-8063

Our Underwriting Team

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Carrie Bush Underwriter 569 Profile
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Jessica Waltenbaugh Personal Lines Underwriter 312 Profile
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Judi Brinton Underwriter 405 Profile

State Availability

Most or all of our ATV markets are available in Pennsylvania

  • Connecticut
  • Delaware
  • Georgia
  • Indiana
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Vermont
  • Virginia
  • West Virginia

  • District of Columbia
  • Florida
  • Idaho
  • Illinois
  • Michigan
  • Tennessee
  • Texas

Applications

Rating Options

Easy Rating Options Available
Online Quote 24/7
Motorcycle Rater
Ineligible Risks
  • Units that are unapproved Assembled, Custom or Refurbished. Refurbished refers to chassis or structural modifications. EXCEPTION: The installation of accessories, trailer hitches, trike conversions or sidecars is acceptable, unless there is resulting structural or chassis alteration. 
  • Units with only Physical Damage coverage(s). 
  • Units with frames and front ends (“forks”) materially altered from the original manufacturer’s specifications. 
  • Units with freewheeling front wheels (front wheels must have braking system). 
  • Units used for racing, speed, hill climbing events or any other organized event, which includes the practice or preparation for any such event. 
  • Units used for law enforcement or security services. 
  • Units that have been salvaged or rebuilt. EXCEPTION: Liability only coverage is available for re-titled salvaged units with a State Assigned VIN, yet these units may not be bound until American Modern Insurance Group approves through the “Request for Approval on Custom Assembled or State Assigned VIN”.  
  • Units equipped with a nitrous system. 
  • Units that are turbo charged. 
  • Units that are homemade or kit built. 
  • Units not principally garaged at least 6 months in a state where there is an active American Modern Motorcycle Program. 
  • Units for sale or on consignment at the time of application. 
  • Units with any unrepaired/existing damage. 
  • Units that are dune buggies or snowmobiles. 
  • Units with more than one owner. EXCEPTION: Units may have more than one owner, if and only if, all owners primarily reside in the same principle residence. 
  • Units titled in the name of any business or association. 
  • Units used for commercial or business purposes. This includes, but is not limited o: (1) Units leased or rented to others. (2) Units used for business in a funeral or escort service. (3) Units used for business purposes (example: pizza delivery).

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