Ontario ATV Insurance

Affordable ATV insurance quotes in Ontario

Are you considering purchasing an all-terrain vehicle (ATV) in Ontario? Our province offers a wealth of incredible trails, providing opportunities to explore scenic landscapes and discover hidden gems that many Canadians rarely experience.

Before you set off on your adventure, it’s important to ensure you have proper ATV insurance in place. This coverage helps protect you and others in the event of an accident or injury while operating your ATV, giving you the confidence to enjoy Ontario’s natural beauty with peace of mind.

With Acera Insurance, you can feel secure knowing you have a dependable policy tailored for Ontario riders—at a price that fits your budget.

Understanding ATV Insurance in Ontario

What is ATV Insurance?

All-terrain vehicle insurance offers protection that is very similar to automobile insurance. It is, however, tailored to cover the unique risks associated with using off-road vehicles. You can get financial protection in the event of damage to property or injury and for when your vehicle is stored in the off-season.

All Ontario riders should have ATV insurance, regardless of whether they are driving in high-risk or low-risk areas.

What qualifies as an ATV in Ontario?

ATVs, or all-terrain vehicles, are motorized off-highway machines specifically designed to handle a variety of surfaces and rugged environments. They typically travel on low-pressure or non-pneumatic tires, which provide better traction and stability when traversing uneven terrain such as trails, forests, or fields. The seat of an ATV is intended to be straddled by the operator, who controls the vehicle using handlebars, making it agile and responsive for off-road use.

In Ontario, the classification of ATVs extends beyond just the traditional four-wheeled models. The following vehicles may also fall under the category of off-highway vehicles:

• Snowmobiles – Motorized vehicles designed for travel on snow and ice, often used during winter months on trails and frozen lakes.
• Dirt bikes – Lightweight motorcycles built for off-road use, equipped with rugged tires and suspension systems that make them ideal for navigating rough terrain.
• Motocross bikes – Specialized motorcycles engineered for competitive racing and off-road riding, featuring enhanced suspension and powerful engines for jumps and fast maneuvers.

Is ATV insurance mandatory in Ontario?

Third-party liability insurance is required under the Off-highway Vehicles Act. As required under the Insurance Act, you also need to have accident benefits and uninsured or under-insured automobile coverage.

The only exception to this is if your ATV is driven purely on private property. However, you should still consider insurance in whatever scenario you find yourself in, as it may very well help spare you from some serious financial repercussions in the event of an accident.

Your lending institution (or whatever company you financed your ATV through) might require you to have physical damage coverage if you’ve borrowed money to buy your ATV. It could include all perils, collisions, comprehensive and/or specific perils.

It’s important to make sure you have the correct insurance if you plan to take your vehicle off-road or ride on forest roads. In the event of an accident, your ATV may be subject to financial and legal consequences if you do not have the right insurance. Familiarize yourself with your provincial regulations or ask your broker for help complying with the minimum insurance requirement.

Who needs ATV insurance?

Whether you plan to use your ATV solely on private property or on public lands, you should have ATV insurance.

ATV insurance covers you, your ATV, and your liability in case anyone is injured as a result of operating your ATV. Your ATV insurance will protect you and your property if you ride in public areas.

The coverage you receive depends on your policy—minimal coverage is always better than none. ATV insurance can be affordable, with low annual or monthly costs.

Why get ATV insurance in Ontario?

ATV riding does not have a reputation for being “risk-free”. You can rest assured that your loved ones and you will not be in a stressful financial position if something happens while operating your ATV.

This is particularly important for ATV riders who intend to use their ATVs in high-risk situations. If you plan to drive off your property, such as on a local trail or track, you should consider ATV insurance.

Questions? Our expert Ontario ATV insurance brokers can help answer all your questions and concerns.

Ontario ATV Coverages

Mandatory Coverage for Public Driving

Third-Party Liability

If you are found responsible for an accident that results in personal injury, property damage, or death, third-party liability insurance will provide financial protection. All Canadian auto insurance policies must include some level of third-party liability insurance.

Accident Benefits

This section of your ATV policy provides benefits if you are injured in an ATV crash, regardless of who caused it. This coverage can include supplementary medical, rehabilitation, attendant care, caregiver, non earner and income replacement benefits.

Direct Compensation Property Damage

The direct compensation part of direct compensation property damage (DCPD) coverage means that you will collect directly from your insurer, even if someone else damages your vehicle. Under DCPD, drivers who are determined not to be at fault for a collision will only deal with their insurance company to collect compensation for physical damage to the vehicle and its contents or to repair the vehicle. It is part of all basic auto policies and third-party liability or accident benefits.

Additional Coverage Options

Collision and Upset

If your ATV is involved in an accident with another vehicle, or if it collides with an object such as a tree, guardrail, or fence, the collision and upset coverage will pay for the cost of repairing the damage or, if the ATV cannot be repaired, replacing it. This protection applies regardless of whether the accident occurs on public roads or off-road trails and is designed to help you recover financially from unexpected incidents where your ATV sustains physical damage during use. The coverage is especially important for situations where you are responsible for the accident, as it provides support even if you do not have access to compensation from another party’s insurance.

Comprehensive

Comprehensive coverage protects your ATV against damage from various external events that are not necessarily related to riding. These events are typically not covered under standard ATV coverage. Examples of incidents not caused by ATV riding include:

• Inclement weather
• Theft
• Vandalism

Understanding the risks of damage or theft in your area can help you decide the level of coverage that’s right for you. If you live in a low-risk region, you may determine that additional comprehensive coverage is not necessary.

Specified Perils

This coverage protects your off-road vehicle against damage resulting from specific risks. These include fire, lightning, theft, attempted theft, earthquakes, hailstorms, explosions, riots, civil unrest, and falling aircraft or aircraft parts.

All Perils

This is a combination of comprehensive and collision coverage. In other words, “All Perils” coverage protects your ATV against a wide range of risks, including those covered under both comprehensive (such as theft, vandalism, or damage from severe weather) and collision (such as accidents involving other vehicles, trees, or guardrails) insurance. By combining these two types of protection, “All Perils” provides broader security for your off-road vehicle, ensuring you are covered for most unexpected events, whether they occur during riding or as a result of external factors.

Find out more about the coverage you can get when you apply for a free ATV insurance quote with Acera Insurance.

Ontario ATV Insurance Costs

How much is ATV insurance in Ontario?

IIn Ontario, the annual cost of an ATV insurance policy can vary significantly, generally ranging from several hundred dollars up to more than a thousand dollars. This wide price range reflects the diversity in ATV types and individual circumstances, so it’s important to understand what influences your premium.

Insurance rates for ATVs are determined by a variety of factors, including:

• Your driving record: A clean driving record with no accidents or violations can lower your insurance costs, while a history of claims or tickets may increase your premium.
• Features, top speed, horsepower and model: High-performance ATVs or those with advanced features may be more expensive to insure. Insurance companies consider how powerful and fast your ATV is, as well as its make and model.
• Cost of the vehicle: Generally, more expensive ATVs cost more to insure because the replacement or repair costs are higher.
• Use (daily, weekends or occasional): How often you use your ATV can affect your premium. Frequent use increases exposure to risk, while occasional or recreational use may result in lower rates.
• Drivers’ age and gender: Younger drivers typically face higher rates due to perceived risk, while older or more experienced riders may qualify for discounts. Some insurers also consider gender as part of their risk assessment.
• Limits and type of coverage: The amount and kind of coverage you select, such as specified perils or all perils, also impacts the cost. Higher coverage limits and more comprehensive policies will generally result in higher premiums.
• Your driving record: A clean driving record with no accidents or violations can lower your insurance costs, while a history of claims or tickets may increase your premium.

If you’re looking for a more precise estimate tailored to your situation, contact our ATV insurance brokers or apply online for a free ATV insurance quote in Ontario. They can help you determine the right coverage and provide an accurate cost based on your unique needs and circumstances. a free ATV insurance quote in Ontario now.

10 ways to reduce the cost of ATV insurance in Ontario

Looking to save on your ATV insurance? Our advisors have shared their most effective strategies to help you reduce your policy premiums—so you can keep more money in your pocket while enjoying peace of mind on every ride. Discover how simple changes can make a real difference to your insurance costs.

• Maintain a clean driving record. Avoid accidents and traffic violations. Insurance providers reward safe drivers with lower rates, so practising responsible riding habits pays off.
• Completion of a safety course. Insurance companies love ATV drivers who are safe. A safety course can provide information on how to reduce risks and help drivers find safer alternatives to dangerous situations. Some policyholders may be able to lower their ATV insurance by taking a safety course.
• Installation of an anti-theft device. An anti-theft device lowers the chance of your vehicle being stolen and therefore reduces the insurance company’s replacement cost. There are often discounts for this feature.
• Store your ATV securely. Keeping your ATV in a locked garage or a secure location reduces the risk of theft and may qualify you for additional discounts.
• Policy bundles. Bundling your ATV insurance with your home and auto policies can potentially help you get a lower rate.
• Full payment. Depending on the insurance company, you might be eligible for a lower rate or a discount on your premium if you pay in full for the year instead of monthly installments.
• Senior rider discounts. Senior drivers may be offered a discount or lower cost for their ATV insurance. Insurance companies may offer lower rates because older riders are seen as taking fewer risks with their ATVs. For more information about coverage options for mature riders, talk to your insurance provider.
• Limit modifications and upgrades. Aftermarket enhancements can increase your premium. If you’re considering modifications, check with your insurer to understand any impact on your rates.
• Review your coverage annually. Check your policy each year to ensure it reflects your current needs and usage. You might find opportunities for savings as your circumstances change.
• Ask about loyalty discounts. Some insurers provide reduced rates for long-term customers. It’s worth inquiring about loyalty programs or discounts for renewing your policy.

Find out what discounts you are eligible for with our expert ATV insurance brokers in Ontario.

Ontario ATV Insurance FAQs