On the Trails, In the Pasture, or At the Lake—Protect Your Off-Road Adventures
Whether it’s for fun, work, or both, your ATV, UTV, or side-by-side is a big investment. Off-road insurance from Broken Spoke keeps you covered from theft, wrecks, and “what-if” injuries—so you can enjoy Texas outdoors without financial worry. As independent agents, we find policies that fit your vehicle and your lifestyle.
What Texas Off-Road Insurance Covers
Liability
Pays if you injure someone or damage property while riding (on trails, at the lake, or even off your own land)
Medical Payments
Covers medical bills for rider injuries, even minor spills
Collision
Pays for repairs if your ATV/UTV is damaged in a wreck
Comprehensive
Protection for theft, fire, hail, or vandalism (ATVs/UTVs are common targets for theft)
Uninsured Motorist
Pays if another off-road rider hits you and has no insurance (optional on some policies)
Custom Parts & Accessories
Covers upgrades like wheels, winches, racks, and more
Note: If your ATV is used mainly for farming, it might fit under a farm policy—ask us for guidance.
Ways to Save on Off-Road Insurance
Bundle with auto, home, or RV for discounts
Multi-vehicle policies for families with more than one off-road toy
Secure storage discounts
Low annual mileage or seasonal/lay-up policies if you don’t ride year-round
Common Gaps & Misconceptions
Homeowners Insurance
Usually only covers ATV liability on your property (if at all)—not theft or damage off your land.
No State Requirement
Texas doesn’t require ATV/UTV insurance for private land use, but coverage is smart if you take your vehicle to trails, parks, or other properties
Finance/Lien Requirement
If your vehicle is financed, the lender will require physical damage coverage
What to Expect From This Service
Tell us about your off-road vehicle, how you use it, and any accessories—then we’ll shop multiple carriers for coverage that fits. We handle setup, paperwork, and claims help, and make sure you get all available discounts.
Frequently Asked Questions
Do I need insurance for my ATV in Texas?
It’s not required for private land, but coverage is vital if you ride elsewhere, have a loan, or want protection from theft/damage.
Does my homeowners insurance cover my ATV?
Usually only for liability on your property, and not for theft or collision—standalone policies provide much broader protection.
How do I insure a side-by-side or UTV?
Same as an ATV—just tell us your model and how you use it, and we’ll find the right coverage.
Is off-road insurance expensive?
Not at all—most policies are very affordable, especially when bundled.
Can I insure custom parts or upgrades?
Yes! We can add coverage for accessories, lift kits, wheels, and more.
Ride Hard—Worry Less
Mud, rocks, or fields—wherever you ride, let Broken Spoke Insurance keep your off-road adventures protected. Get a quote today and make sure your ATV or UTV is covered year-round.