When it comes to ATV trails in the Northeast, Massachusetts may not be your first thought. But with dozens of designated trails and hundreds of miles of terrain, Massachusetts provides plenty of opportunity for ATV riders. To find out more information regarding ATV insurance for Massachusetts riders, you can continue reading or contact your Massachusetts Cross Insurance office today.

Where is ATV Insurance Required?

Although Massachusetts laws currently do not require ATV owners to carry insurance, having insurance is always a good idea. There is always the risk that you could be involved in an accident with your ATV, and having insurance can help to mitigate your financial exposure to that risk.

Request a Quote for ATV Insurance

Looking to compare ATV insurance rates for Massachusetts? Request a free ATV insurance quote online here or call one of our local offices to get started.

ATV Insurance Coverages

When looking for insurance for your ATV, there are a number of common coverages that you may have the option to purchase. Some of these common ATV coverages include, among other things, the following.

• Bodily Injury Liability
• Property Damage
• Uninsured & Underinsured Motorist
• Collision Coverage
• Comprehensive Coverage
• There are also a number of additional coverages that are typically available, including but not limited to: Accessories Coverage
• Carried Contents
• Total Loss for ATVs

Don’t hesitate to reach out to your local Cross Insurance agent for more information about available options for your ATV insurance.

How much is ATV Insurance?

The cost of ATV insurance can depend on a variety of factors. In addition to the type and amount of coverage(s) you select, the following examples are a few factors that can play into an ATV insurance quote.

• The year, make and model of your ATV.

A newer and more expensive ATV will tend to affect your policy differently than an older machine. Safety ratings and modifications may also affect your potential insurance costs.

• Where will you be riding your ATV?

Insurance will take into account where you intend to do the majority of your riding. For example, will you be riding on your own property, on a provided course, or in a different state from where you live? Each presents its own levels of liability and risks.

• The age, driving record, and in some cases profession, of the rider.

The individual background and driving history of the ATV operator can alter how affordable or expensive a quote may be. Previous accidents while operating any machinery, not just while operating ATVs, can also alter your rates.

More Insurance Coverages for Massachusetts

Our local offices throughout Massachusetts can help you find coverage options for your ATV, but we also can assist you with coverage for your home, car, boat, RV, and more. Reach out today to start the conversation.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.