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Ontario ATV Insurance

Affordable & cheap ATV insurance quotes in Ontario

Are you thinking about purchasing an all-terrain vehicle (ATV)? Our beautiful country has so many great trails for you to explore in uncharted territory that few Canadians get a chance to see.

Before you head out on an adventure, make sure that you have ATV insurance. The protection that this coverage provides for you and anyone else you might injure while operating your vehicle can provide peace of mind so you can enjoy the scenery.

With Acera Insurance, you can rest assured knowing that you have a reliable policy at an affordable price.

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 are motorized off-highway cars that can travel on low-pressure or non-pneumatic tires. The seat is designed to be straddled and controlled by the operator.

They can include:

  • Snowmobiles.
  • Dirt bikes.
  • Motocross bikes.

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?

Regardless of whether you plan to only use your ATV on private property or on public lands, you should have ATV insurance.

ATV insurance covers yourself, your toy, and your liability – in case anyone gets injured because of the operation of your ATV. Your ATV insurance will protect you and your property if you ride in public places.

The coverage you get depends on the policy you have – minimal coverage is always better than no coverage. ATV insurance can be affordable for a low annual or monthly cost.

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, nonearner 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 in an accident with another vehicle or object, such as a tree or guardrail, it will cover the cost of repairs or replacement.


Comprehensive coverage all damage to your ATV since extraneous events may not be covered by ATV coverage. Events that are not caused by ATV riding are:

  • Inclement weather
  • Theft
  • Vandalism

Knowing the likelihood in which your ATV may be damaged or stolen will help you make an informed decision about the amount of coverage you need. If you live in a low-risk area, it may not be worth the extra cost.

Specified Perils

This covers damage to your off-road vehicle that is caused by a set of perils. This can include fire and lightning, theft, attempted theft, earthquake, hailstorms, explosion, riots, civil unrest, and falling aircraft or parts.

All Perils

This is a combination of comprehensive and collision coverage.

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?

In Ontario, an ATV insurance policy can cost anywhere from a few hundred to more than a thousand dollars annually.

Rates are determined by several factors that include:

  • Your driving record
  • Features, top speed, horsepower and model
  • Cost of the vehicle
  • Use (daily, weekends or occasional)
  • Drivers’ age and gender
  • Limits and type of coverage

Do you want to get a specific number for the cost of your ATV insurance policy? Contact our ATV insurance brokers or apply for a free ATV insurance quote in Ontario now.

How to reduce the cost of ATV insurance in Ontario

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.

Policy bundles

Bundling your ATV insurance with your home and auto policies can potentially help you get a lower rate.

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.

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.

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

Why Acera Insurance?

We also value our leisure time, so we understand the importance of a worry-free vacation. You can trust in our extensive knowledge of recreational vehicle protection to endorse your insurance portfolio accordingly. We work with the best ATV insurance companies that Ontario has to offer.  Contact our recreational insurance brokers today to request your free online ATV insurance quote.

Ontario ATV Insurance FAQs

An ATV is not allowed to be driven on public roads unless it meets all municipal by-law regulations. It must also carry the necessary insurance coverage as per your Ontario’s regulations.

Comprehensive coverage may cover your off-road vehicle against theft, depending on the policy.

Standard home insurance policies do not cover recreational or utility vehicles. Although ATVs can be covered by auto insurance policies, not all ATVs have the same auto safety features such as airbags or turning signals. As a result, they require more comprehensive and specialized coverage.

You will need off-road vehicle coverage if you plan to take to the trails. To discuss the best coverage for you and your offroad vehicle, speak to a broker today.

Ready to get your free quote?

Simply complete our online form to receive free, no obligation quotes and advice from an expert broker.