ATV & UTV Insurance in Montana: What Riders Need to Know Before Hitting the Trails

Montana summers are made for adventure—especially on an ATV or side-by-side. Whether you’re tearing through backcountry trails near Great Falls or exploring ranch land outside of Helena, off-road vehicles bring both fun and risk. Unfortunately, many Montanans assume their homeowners or auto insurance will cover accidents—and that can be a costly mistake.

Here’s what every ATV and UTV owner in Montana should know about proper insurance coverage.

1. Are Off-Road Vehicles Covered Under Homeowners Insurance?

The short answer: not usually—not when you’re off your property.

• On your property: Homeowners policies may provide limited liability coverage if someone is injured on your land while using your ATV.
• Off your property: You’ll need a separate ATV or powersports insurance policy to cover liability, damage, or theft when riding offsite.

Tip: Don’t assume your ranch policy or umbrella automatically covers off-road use—check your exclusions.

2. What Does ATV or UTV Insurance Cover in Montana?

Like auto insurance, an off-road policy can include:

• Liability: If you cause injury or property damage to someone else.
• Collision: Damage to your ATV/UTV in an accident.
• Comprehensive: Covers theft, fire, weather, or vandalism.
• Uninsured/Underinsured Motorist: Covers your medical bills if hit by an uninsured rider.
• Medical Payments: Helps pay for your or a passenger’s medical expenses after an accident.

Many policies also offer optional equipment coverage for racks, plows, radios, and other customizations.

3. Is Insurance Required for ATVs in Montana?

Montana doesn’t require insurance for ATVs or UTVs unless:

• You operate it on public roads where local ordinances allow.
• You’re financing the vehicle (your lender will usually require coverage).

But even when it’s not required, having a policy can protect your wallet from lawsuits or replacement costs.

4. Who Needs Off-Road Insurance in Montana?

You should strongly consider a separate ATV/UTV policy if:

• You ride on state trails or BLM land.
• You use the vehicle for ranch work or recreational trail riding.
• Your vehicle is stored in a location at risk for theft.
• You allow others to operate your ATV/UTV.

ATVs and UTVs are a big part of Montana’s lifestyle—but they come with real risks. Whether you ride for work or play, the right insurance helps you stay focused on the trail ahead.