Do I Need ATV Insurance in Arizona?


Arizona is known for its various geographical features, including the Grand Canyon, the Colorado River and miles of desert terrain. Because the land can sometime be difficult for normal vehicles to traverse, all-terrain vehicles, or ATVs, are a popular option for those people who need to navigate the hard-to-reach areas of the state. Although Arizona's state Department of Transportation does not automatically require ATVs to be insured, all drivers of all-terrain vehicles must obtain the appropriate licensing, registration and off-road decal, among other requirements.

On-Road or Off-Road?

  • Insurance requirements for all-terrain vehicles depend on whether the owner plans to drive the ATV on public roads or whether the vehicle will be used solely for off-road driving. Any off-road vehicles, including ATVs, which are operated in unincorporated areas of Arizona are not required to be insured or registered. If you are planning on driving your ATV on public roads, you will need to purchase insurance and get the vehicle registered with Arizona's Department of Transportation, or DOT. Minimum vehicle insurance in Arizona includes $10,000 property damage liability, $15,000 bodily injury liability for one person and $30,000 bodily injury liability for two people.


  • Arizona is one of only four states requiring ATV drivers to obtain a license to operate their vehicle, whether it's for on-road or off-road driving. Drivers for three-wheeled ATVs are required to have a Class M motorcycle license before operating their all-terrain vehicles. Drivers using four-wheeled ATVs only need a regular Class D driver's license. Applications for Arizona driver's licenses must be made through the Motor Vehicle Division of the state's Department of Transportation.

Other Requirements

  • All ATVs, including those only operated in off-road settings, must be titled through the Motor Vehicle Division of the state's DOT and must have a license plate. Arizona license plates for all-terrain vehicles include a state logo with the letters "RV" printed over it to indicate recreational vehicle. Arizona ATVs are also required to have an off-highway vehicle, or OHV, decal stamped on to the license plate if the vehicle is for use on unimproved terrain and weighs more than 1,800 pounds without cargo or passengers.

ATV Insurance

  • Insurance coverage for all-terrain vehicles is similar to the types of auto insurance available for cars and trucks. First and foremost, ATV insurance covers the vehicle itself, which is very important as an ATV experiences more hostile driving conditions than cars and, although durable, take a heavier beating. Property damage and bodily injury liability insurance are also usually included, as an ATV can cause serious damage to private property or a person in the case of an accident. Other features common to all-terrain vehicle insurance includes collision coverage and medical payments coverage.

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