ATV Insurance

We love ATVs almost as much as we love helping our clients find great affordable coverage for them! Get a quote today to see how much we can save you!

 🏁 OFF-ROAD VEHICLE COVERAGE · GREENVILLE, SC

ATV Insurance in  Greenville, SC — Coverage for Every Trail and Terrain

Four-wheelers, UTVs, side-by-sides, and dirt bikes — we find affordable off-road vehicle insurance that covers how you actually ride across Upstate South Carolina.

All
MAKES & MODELS

On+Off
PROPERTY COVERAGE

Custom
ACCESSORIES COVERED

100%
INDEPENDENT

100%
INDEPENDENT



All
MAKES & MODELS

On+Off
PROPERTY COVERAGE

Custom
ACCESSORIES COVERED

100%
INDEPENDENT



Protect Your Off-Road Investment Before You Hit the Trail

All-terrain vehicles, UTVs, and side-by-sides represent a serious financial investment — and even more serious fun. But off-road riding carries real, significant risks: rollovers on uneven terrain, collisions with trees and obstacles, mechanical breakdowns in remote locations, flood crossings gone wrong, and the ever-present threat of theft. A single off-road accident without proper insurance can result in thousands of dollars in repair bills, medical expenses, and potential liability exposure.


At Priority Insurance LLC, we help ATV and UTV owners throughout Greenville and Upstate South Carolina find affordable, comprehensive off-road vehicle coverage. As an independent agency, we compare options across multiple carriers to find the policy that fits your vehicle, your riding habits, and your budget.

What ATV Insurance Covers

Liability Coverage

Liability coverage is the foundation of any ATV policy. If you cause an injury or property damage while riding, liability pays for the resulting medical bills, repairs, and legal defense costs. Liability is also frequently required by private riding parks, organized trail systems, and hunting clubs before you can access their property — having an active policy is increasingly a requirement, not just a recommendation.

Collision Coverage

Off-road terrain is unforgiving. Roots, rocks, ruts, sudden drop-offs, and unexpected obstacles can cause serious damage without another vehicle being involved. Collision coverage pays for repair or replacement after an at-fault or single-vehicle accident, regardless of whether another party was involved.

Comprehensive Coverage

Covers theft (ATVs and UTVs are prime theft targets, particularly in rural areas where they're stored in open barns, trailers, or outbuildings), fire, flood damage from water crossings, vandalism, storm damage, and wildlife encounters on trails.

Uninsured / Underinsured Motorist

Off-road trails and private riding parks often have multiple users. If you're involved in a collision with another ATV or UTV operator who lacks adequate insurance, UM/UIM coverage protects you from bearing those costs alone.

Medical Payments Coverage (MedPay)

Off-road riding has a higher injury rate than most vehicle activities. MedPay covers your medical expenses and those of your passengers following an ATV accident, regardless of fault. It's designed to pay quickly — before fault is determined — so you can focus on recovery rather than billing disputes.

Accessory & Equipment Coverage

Most ATV and UTV owners invest substantially in aftermarket accessories. Coverage protects winches and recovery equipment, snow plow attachments, cargo racks, lift kits, upgraded suspension, LED light bars, gun racks and hunting accessories, sound systems, and custom wheels and tires. Standard policies often cover only the factory-stock value of your vehicle.

Trailer Coverage

Most ATV owners haul their vehicles via trailer to trails, hunting properties, and parks. Coverage for the trailer itself — separate from the ATV — is an important add-on. A trailer theft or accident on the road leaves you without the means to transport your ATV to your favorite riding spots.

Trip Interruption Coverage

If your ATV breaks down far from home during a trip and needs to be trailered back, trip interruption coverage helps cover transportation, lodging, and related expenses so an equipment failure doesn't ruin your entire trip.

Does Your Current Insurance Cover Your ATV?

❌ Auto Insurance

Standard auto policies explicitly exclude ATVs and off-road vehicles. Your car insurance provides zero coverage for your ATV in virtually all circumstances — no exceptions.

❌ Homeowner's Insurance

A homeowner's policy may provide very limited liability coverage for an ATV used strictly on your own private property. It will not cover riding on trails, parks, neighboring properties, or any public land. Physical damage to the ATV is generally not covered at all.

The Only Solution: A dedicated ATV insurance policy is the only way to get comprehensive protection on and off your property — for riding, hunting, farming, and recreation.

South Carolina ATV Laws and Where You Can Ride

Key SC ATV Regulations

  • ATVs are generally prohibited on public roads in SC except where local ordinances specifically permit it
  • Operation on public lands (national forests, state parks, OHV areas) subject to specific rules and may require proof of insurance
  • SC requires ATV operators under 16 to wear a helmet when riding on public lands
  • Many private riding parks and hunting clubs require proof of liability insurance as a condition of access

Off-Road Riding Destinations Near Greenville, SC

Sumter National Forest — Andrew Pickens District (Oconee County)

The most established OHV trail system in Upstate SC, located about an hour from Greenville in Oconee County. Features miles of designated ATV and OHV trails through mountainous terrain. Proof of insurance is required for access to OHV areas in this district.

Private Hunting and Recreational Properties

Much of the riding in Upstate SC takes place on private hunting clubs and recreational properties throughout Greenville, Anderson, Pickens, Oconee, and Laurens counties. These properties increasingly require proof of liability coverage as a condition of access.

Private ATV Parks and Trail Systems

Several privately owned ATV parks operate within driving distance of Greenville. Many require proof of liability coverage and some offer daily rental liability policies at the gate — but having your own policy is always the better option and provides superior protection.

North Carolina OHV Areas

Riders within range of Greenville also frequently visit OHV areas in western North Carolina, including the Uwharrie National Forest and various private parks. Your ATV policy should provide coverage across state lines — confirm with your agent.



ATV and UTV Brands We Insure

Polaris

— Sportsman, Ranger, RZR, General

Can-Am

— Maverick, Commander, Outlander, Defender

Yamaha

— Grizzly, Kodiak, Wolverine, YXZ1000R

Honda

— FourTrax Rancher, FourTrax Foreman, Pioneer

Kawasaki

— Brute Force, Mule, Teryx

Arctic Cat / Textron Off Road

— Wildcat, Prowler, Alterra

Kubota, John Deere, Mahindra

— Utility side-by-sides

CF Moto, Kymco, and other brands

— Contact us for non-standard brands

ATV Safety and Responsible Riding

Always wear a helmet — required for riders under 16 on public land; recommended for all riders

Wear appropriate protective gear including goggles, gloves, and boots

Never carry more passengers than the vehicle is rated for

Avoid riding on paved surfaces — ATVs are designed for off-road use only

Take an ATV safety course — the ATV Safety Institute (ASI) offers training that may qualify for insurance discounts

Never ride under the influence of alcohol or drugs

Inform someone of your riding location and expected return time

Bundle and Save on ATV Insurance

Combine with your auto insurance for a multi-vehicle discount

Bundle with home insurance for additional savings

Add golf cart insurance if you own both types of vehicles

Ask about RV insurance if you haul your ATV in or behind an RV

Serving ATV Riders Across Upstate South Carolina

Get a Free ATV Insurance Quote Today

Don't head out on the trail without the right coverage. Call Priority Insurance LLC at (864) 297-9744, stop by our Greenville office, or request your ATV insurance quote online. Our agents understand off-road vehicles and will build you a policy that covers how you actually ride.


Frequently Asked Questions

  • Does my auto insurance cover my ATV?

    No. Standard auto insurance policies explicitly exclude ATVs and off-road vehicles. You need a dedicated ATV insurance policy for any coverage on your four-wheeler, UTV, or side-by-side. Get your ATV quote →

  • Is ATV insurance required in South Carolina?

    SC law doesn't require ATV insurance for off-road use on private property. However, riding on public lands, national forests, or OHV parks often requires proof of liability insurance. Many hunting clubs and private trail systems also require it for access. Having coverage is always the smart choice.

  • How much does ATV insurance cost in South Carolina?

    ATV insurance typically runs $100–$400 per year depending on vehicle value, coverage type, and usage. UTVs and side-by-sides with higher values cost more to insure. Request your free personalized quote →

  • Can I insure my UTV or side-by-side?

    Yes. We insure all types of UTVs and side-by-sides from all major manufacturers — Polaris RZR and Ranger, Can-Am Maverick and Commander, Yamaha Wolverine and YXZ, Honda Pioneer, and Kawasaki Teryx.

  • Does ATV insurance cover riding in other states?

    Most ATV policies provide coverage across the continental United States. If you frequently ride in NC's OHV parks or travel to ride in other states, confirm your policy's territorial coverage with your agent.

  • What if my ATV is stolen from my trailer while parked overnight?

    If you have comprehensive coverage, theft from a trailer or any location is covered. Without comprehensive, theft is not covered. This is one of the most common claim scenarios ATV owners face — comprehensive coverage is strongly recommended.

  • Can I get insurance if my ATV is heavily modified?

    Yes. We work with carriers that accommodate modified ATVs and UTVs. Be sure to disclose all modifications and aftermarket equipment when requesting a quote so your accessories are properly covered under your policy.

🏁 Get an ATV Quote

(864) 297-9744

MON–FRI · 9AM–5PM · GREENVILLE, SC


All makes and models covered. Accessories and mods welcome. Fast, no-obligation quotes.

Why Priority Insurance?

All ATV and UTV makes covered

Custom accessories and mods insured

Trailer coverage available

Independent — multiple carriers compared

Local agents who know Upstate SC trails

Annual policy reviews included