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Who Has The Cheapest ATV Insurance?

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With vast forests, rugged terrain, and scenic trails, Canada is a paradise for ATV enthusiasts. Riding an all-terrain vehicle allows you to venture off the beaten path and experience the wilderness up close. It’s no wonder ATVs have surged in popularity across the country.

However, the thrill of adventure on an ATV comes at a price – steep insurance premiums. ATV insurance in Canada is notoriously expensive compared to other vehicles. Rates can easily run $500, $1000, or even $2000 per year depending on your age, driving record, and other factors. And with medical costs on the rise, a trip to the ER after an ATV accident can lead to thousands in out-of-pocket expenses if you’re underinsured.

So how can you balance your desire to hit the mud trails and backcountry while still protecting your wallet? This guide will explore tips on finding the cheapest ATV insurance in Canada to maximize adventure time while minimizing cost.

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What is ATV Insurance?

ATV insurance provides coverage for your all-terrain vehicle in case of accidents, damage, or theft. There are a few main types of coverage included in most standard ATV insurance policies:


  • Liability Coverage: This covers bodily injury or property damage to others if you are at fault in an accident. It helps pay for medical bills or repairs. Required minimums vary by province.
  • Collision: Pays to repair or replace your ATV if it is damaged in an accident, regardless of fault. Usually has a deductible amount you pay first.
  • Comprehensive: Covers damage to your ATV from non-collision events like fire, theft, vandalism, or hitting an animal. Also has a deductible.
  • Uninsured Motorist: Provides medical and damage coverage if you are hit by a driver with no insurance.
  • Underinsured Motorist: Provides additional coverage if the at-fault driver’s policy limit is insufficient to cover your losses.


Optional coverages like accident benefits may also be available. ATV insurance protects you financially so you can repair damages or injuries after an accident and continue enjoying your off-roading adventures. Some lenders in Canada will also require insurance if you purchase via ATV financing.


What Factors Affect Your ATV Insurance Rates?

There are a few key factors insurance providers look at when determining your ATV insurance premiums. These include:


Age and Experience

Your age and riding experience play a big role in insurance rates. Teen and young adult riders will pay much higher premiums due to lack of experience. Mature riders with several years of incident-free riding can qualify for discounts.


ATV Make, Model, and Value

Insurers will factor in the make, model, engine size, and value of your specific ATV. More powerful, expensive vehicles typically cost more to insure. Older or cheaper models often have lower rates.


Where and How Often You Ride

Frequent riders who use their ATVs for racing or extreme sports will pay higher premiums than those who only ride occasionally for recreation. Where you primarily ride also matters, with remote backcountry trails being riskier than local designated trails.



The more discounts you qualify for, the lower your rates will be. Common discounts include bundling policies, taking safety courses, insuring multiple ATVs, going claim-free, having safety devices installed, and more.


Shopping Around is Key to Finding the Best Rate

Rates for ATV insurance can vary dramatically between different insurance companies. What one provider may quote as $500 per year, another company could quote as $1,200 for the same coverage. This makes shopping around and comparing quotes from multiple insurers critical to finding the most affordable premium.

The best way to compare quotes is by using online quote tools and marketplaces. These allow you to easily get side-by-side rate comparisons from leading ATV insurance providers without having to contact each one individually. It just takes a few minutes to enter your basic information once and receive quotes from multiple companies.

When getting quotes, look at both large national insurance companies as well as smaller regional providers. The big insurers often have very competitive rates due to their huge pools of customers and data. However, local companies can sometimes offer better pricing because they specialize in certain geographical areas.

It’s recommended to get at least 3-5 quotes before deciding on an ATV insurance policy. This ensures you have a good sample of rates to find the best value. Don’t just go with the cheapest option either – make sure to balance pricing and coverage.


Tip 1: Take a Safety Course

One of the best ways to lower your ATV insurance premium is by taking an accredited safety training course. Most major insurance providers in Canada offer discounts for completing a hands-on ATV safety class. By learning safe riding techniques and the rules of the trails, you can prove yourself as a responsible rider.

Courses are offered across the country by organizations like the Canada Safety Council and provincial ATV associations. For example, in Ontario the Ontario Federation of Trail Riders administers the OFTR Handbook Test. By passing this online exam, you can save up to 10% on your insurance.

More extensive in-person training programs like the Canada Safety Council’s ATV RiderCourse can lead to even larger discounts. These intensive classes teach critical skills like swerving, braking, and riding over obstacles. Many offer both classroom and on-ATV instruction.

The investment of time and money to complete an accredited ATV training course can really pay off. Safer riding leads to fewer accidents and violations. Certifications also indicate you take operating an ATV seriously. This can translate into premium savings of 15% or more from many top insurance providers.


Tip 2: Bundle Policies

One easy way to save money on your ATV insurance is to bundle it with other policies from the same provider. Most major insurance companies offer a multi-policy discount if you insure your home, auto, and ATV with them. By combining multiple policies under one roof, they can pass some savings onto you.

For example, bundling your ATV with your home insurance or car insurance could lead to 10% off or more. Some insurers even allow you to bundle things like life insurance and umbrella liability coverage to maximize your savings. Shop around to find a provider that offers discounts for bundling your ATV with the other policies you need.

When getting quotes, make sure to ask “What multi-policy discounts do you offer?” Some companies provide discounts just for bundling auto and home, while others have more extensive offerings. The more policies you can bundle, the more you may potentially save. It’s an easy way to get cheaper ATV insurance rates.


Tip 3: Raise Deductibles

One of the easiest ways to lower your ATV insurance premium is to opt for a higher deductible. A deductible is the amount you’ll pay out-of-pocket in the event of a claim before your insurance coverage kicks in.

Most standard ATV insurance policies come with relatively low deductibles in the $500 to $1,000 range. By raising your deductible to $2,500 or even $5,000, you can potentially decrease your insurance rate by up to 25%.

The higher your deductible, the more risk you take on if you do file a claim. However, with a newer or more valuable ATV, the potential savings may make it worthwhile. Just be sure you have enough savings set aside to cover the higher deductible amount in case you need repairs.

Discuss different deductible options with your insurance broker or agent. They can help you weigh the pros and cons and determine if a higher deductible makes sense based on your specific ATV model, how you use it, and your budget.


Tip 4: Use Security Devices

Investing in security devices for your ATV can help reduce your insurance premiums. Insurance companies offer discounts for policyholders who take measures to prevent theft and make it easier to recover stolen vehicles. Two of the most common devices that can earn you savings are:


GPS Trackers

Installing a GPS tracking device allows you to monitor the location of your ATV at all times. If it gets stolen, you can provide the exact coordinates to police to help recover it. Some trackers also have geo-fencing features that alert you if the ATV leaves a designated area. Ask your insurance provider about potential discounts for using a GPS tracker.



ATVs are often targets for thieves looking to strip them for parts. Using high-quality locks on your wheels, trailer hitch, and storage compartments can deter criminals. Be sure to invest in heavy-duty locks made specifically for ATVs. Discuss anti-theft locks with your insurance agent to see if you’re eligible for a lower rate.

Taking preventative measures shows insurance companies you are committed to protecting your vehicle. Implement tracking devices, locks, alarms, or other anti-theft technology on your ATV to potentially save hundreds on your annual premium.


State Farm ATV Insurance

State Farm is one of the largest insurance providers in Canada and the United States, offering a wide range of policies including ATV insurance. With over 90 years of experience, State Farm has built a reputation for reliable service and competitive rates.

State Farm offers liability, medical payments, uninsured motorist, comprehensive, and collision coverage options for ATVs. On average, State Farm ATV insurance costs between $200-$600 per year depending on your driving history, age, and other factors. State Farm may offer discounts for bundling multiple policies, completing an ATV safety course, insuring multiple vehicles, and being a long-term customer.

Some key features of State Farm’s ATV insurance include:


  • Ability to add accessories and customizations to your policy
  • $250 deductible for comprehensive and collision
  • Roadside assistance with towing and labor costs
  • Replacement cost coverage for ATVs less than 1 year old


Customers report State Farm provides excellent customer service and claims handling. Their agents work hard to find you the right policy options and rates. Overall, State Farm is a top choice for ATV insurance in Canada if you want a trusted brand name and bundle discount opportunities.


Intact Insurance

Intact Insurance is one of the largest property and casualty insurers in Canada. They offer competitive rates on ATV insurance across the country. Intact has over 3 million customers nationwide. Their average annual premiums for ATV insurance fall within these ranges:


  • Basic Liability Coverage: $150 – $300
  • Standard Package: $300 – $600
  • Premium Full Coverage: $600 – $1200


Discounts offered by Intact Insurance include:


  • Multi-line discount for bundling home and auto insurance
  • Multi-vehicle discount for insuring more than one ATV
  • Mature driver discount for experienced riders over 25
  • Safety course discount for completing approved training
  • Good driver discount for a clean abstract with no accidents


With Intact Insurance you can get a free quote online or speak to an agent to find the best ATV insurance rate for your specific needs.


TD Insurance

TD Insurance is a leading provider of ATV insurance across Canada. They offer coverage options for both pleasure and commercial use ATVs. TD Insurance provides flexible policies so you can customize your coverage to suit your specific needs.

For pleasure use ATVs, TD Insurance provides liability coverage starting around $300 annually for basic policies. More comprehensive packages with collision, comprehensive, accident benefits and more will range from $500 – $1200 per year on average. Rates are dependent on the rider’s age, driving history, and coverage selected.

TD Insurance offers several ways to save on your ATV premiums. You can receive discounts by insuring multiple vehicles with them, completing an approved safety course, choosing higher deductibles, and more. They also offer savings if you bundle your ATV policy together with your car or home insurance.

Reviews for TD Insurance praise their convenient online service options. Customers also note that they offer competitive rates compared to other major providers in Canada. Their multi-policy and multi-vehicle discounts make TD Insurance a great option for ATV owners who want to maximize savings.



Wawanesa is a Canadian-owned mutual insurance company that has been providing ATV insurance for over 60 years. They offer coverage in all provinces and have a strong reputation for customer service. Wawanesa has competitive rates for ATV insurance with average premiums ranging from $350 to $1200 per year depending on your driving history, age, and other factors. They offer multi-policy discounts if you bundle your ATV with home or auto insurance.

Some of the key discounts Wawanesa offers include:


  • Multi-vehicle discount – Save up to 15% when you insure multiple ATVs
  • Multi-policy discount – Save up to 15% when you bundle ATV with home or auto
  • Mature driver discount – Save up to 10% if you’re over 55 years old
  • Safety course discount – Save up to 10% for approved ATV training


Wawanesa has strong financial strength ratings and generally positive customer satisfaction. They make it easy to get a fast quote online or connect with a local broker for personalized service. Overall, Wawanesa is a great choice for ATV insurance with competitive pricing and strong coverage options.


Desjardins ATV Insurance

Desjardins Insurance is one of the largest co-operative insurance providers in Canada, offering coverage across Quebec, Ontario, and Atlantic provinces. They provide tailored ATV insurance policies to suit different needs and budgets.

Desjardins ATV insurance rates are quite competitive, with average annual premiums ranging from $150 for basic liability coverage up to $600 or more for a full package policy. Rates will vary depending on factors like the age and driving record of the rider, engine size, usage and location of the vehicle.

Some of the discounts Desjardins offers on ATV insurance include:


  • Multi-vehicle discount if you insure both your ATV and automobile with them
  • Experienced rider discount if you have 5+ years riding experience and a clean abstract
  • Bundling discount if you have multiple insurance policies with Desjardins
  • Safety training discount if you complete an approved ATV safety course


With 80+ years of experience and strong financial backing, Desjardins provides quality coverage options for ATV owners. Their policies include liability, accident benefits, physical damage and more. Online quotes and knowledgeable agents make it easy to find the right ATV insurance at the best price.



In summary, finding affordable ATV insurance requires shopping around and comparing quotes across providers. While rates can vary quite a bit between insurers, taking the time to get multiple quotes will ensure you find the best deal.

It’s important to look at both large national companies as well as smaller regional providers when comparing rates. Be sure to get quotes that accurately reflect your specific driver profile and ATV details to get the most accurate price comparisons.

While price is a major factor, also consider the reputation and customer service ratings of insurers as you choose. Finding the right balance between rate and coverage that fits your specific needs is key.

With some time invested upfront shopping around, you can secure affordable ATV insurance and hit the trails worry free this season.

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Who Has The Cheapest ATV Insurance ​ Q&A

The cheapest ATV insurance in Canada can typically be found with Surex, TD Insurance, Intact Insurance, RBC Insurance, Belair Insurance, The Co-operators or Desjardins Insurance. Getting quotes from multiple providers and comparing rates is the best way to find the most affordable ATV insurance for your specific situation. Bundling your ATV with home or auto insurance can also help lower rates.

The cost of ATV insurance in Ontario can vary greatly depending on factors like your age, driving history, the type of vehicle and coverage selected. However, on average you can expect to pay between $400-$1,200 per year for ATV insurance in Ontario. Rates tend to be lowest for older, experienced riders with good driving records insuring mid-sized quads for basic liability coverage.

Some common discounts available for ATV insurance in Canada include:


– Multi-vehicle discount for insuring your ATV with your car or home insurance

– Multi-policy discount for having other insurance products with the same provider

– Safety course discount for completing an approved ATV safety course

– Mature rider discount if you’re over 25 years old

– Good driver discount for having a clean abstract with no accidents or violations

– Loyalty discount for being insured with the same provider for several years


Ask your insurance representative what discounts they offer to help lower your ATV insurance premium.

Ontario law does not require any minimum level of ATV insurance coverage. However, many experts recommend you carry at least $1 million in third-party liability insurance to protect yourself financially in the event you cause property damage or injuries while riding your ATV. Higher limits of $2-$5 million are also available for added protection.

Most insurance experts recommend insuring your ATV year-round rather than seasonally. Annual ATV insurance ensures you have coverage at all times and prevents gaps that could leave you unprotected. It also saves you money over the long run because you avoid new policy fees each season. Just be sure to notify your provider if the vehicle will be stored for an extended period.

ATV insurance in Canada typically includes three main coverages:


  1. Liability insurance to cover injury or damage you may cause others
  2. Accident benefits to cover your medical treatment, income replacement if hurt
  3. Physical damage coverage for damage or theft of your actual ATV


Additional coverages like roadside assistance, rental reimbursement and safety gear protection may also be available.

Whether passengers are covered by your ATV insurance in Canada depends on your policy. Most liability insurance extends to passengers injured while riding with you. However, accident benefits like income replacement may only apply to policyholders and their household family members. Check your policy wording or ask your insurer to confirm passenger coverage.

In most cases your regular car insurance policy will not provide coverage for ATVs or other off-road vehicles. This is because insurers classify ATVs differently than registered motor vehicles driven on public roads. You need to purchase specific ATV or off-road vehicle insurance for protection.

Yes, you can usually still obtain ATV insurance in Canada even with an impaired driving criminal code conviction. However, expect to pay higher premiums, as insurers will consider you high risk compared to drivers with clean records. Be prepared to have the impaired conviction impact pricing for several years.

Most experts recommend carrying at least $1 million in ATV liability coverage. This protects you in the event you injure others or damage their property and face lawsuits. Higher limits of $2-$5 million are suggested if you have significant personal assets to protect. Ultimately your ideal liability limit depends on your personal financial risk tolerance.

Buying collision and comprehensive insurance for your ATV is highly recommended to fully protect your vehicle in the event of accidents, damage or theft. Without these coverages you would have to pay costly ATV repairs or replacement entirely out of pocket. However, higher deductibles can help lower premiums on these optional coverages if needed.

When getting ATV insurance quotes, most insurers will ask for:


– Your personal details (name, address, birth date, etc.)

– ATV make, model and year

– VIN number

– How the ATV is used (recreation only, farming, commercial, etc.)

– Your driving history and claims experience

– Coverage types and limits you want quoted


Having this information ready speeds the quote process.

While rates can vary significantly based on exact details and insurance provider, most 16 year olds in Ontario can expect to pay between $2,500 – $4,000 per year for basic ATV insurance. Underage drivers are considered very high risk, which translates to much higher premiums.

Top ways to save money on ATV insurance include:


– Bundle your ATV with home/auto insurance

– Ask about multi-vehicle/multi-policy discounts

– Only buy liability coverage and forego collision/comprehensive

– Increase your deductibles which lowers premiums

– Take an accredited safety training course

– Maintain a clean driving record with no tickets or claims

– Compare quotes from several top ATV insurers

Some of the top ATV insurance providers in Ontario with competitive pricing and strong customer service include:


– TD Insurance

– Intact Insurance

– The Co-operators

– RBC Insurance

– State Farm

– Desjardins General Insurance


It’s a good idea to get quotes from several highly rated insurers to find your best option.

Most insurance companies in Canada will insure custom and homemade ATVs. However, finding coverage can be more challenging compared to factory built models. Provide as many details as possible about performance parts, upgrades, age and how the custom ATV was constructed when shopping insurance quotes.

A 500cc ATV will typically cost between $500 – $1,500 per year to insure in Canada depending on exact details. 500cc models fall into a middle tier for insurance pricing – less than high powered 700-1000cc sport quads but more than lower powered 300cc utility ATVs. Get quotes to compare rates.

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