According to the ATV Safety Institute, each state has its own ATV laws, including both safety and equipment requirements. Adhering to the state guidelines is also of utmost importance if you plan to take your ATV on vacation. Knowing the rules before you pack an ATV from Ohio to another state is essential.

You can download the complete chart here if you need a registration, usage decal, title, or operations license to ride an ATV.

When it comes to Ohio, using an all-terrain vehicle requires a registration or usage decal by the motor vehicle registration agency, except if engaged in agricultural or other specified activities. The minimum age requirement for driving an ATV is 16 unless supervised in the state of Ohio.

So, does Ohio require ATV insurance?

Yes and no, using an ATV on private property without insurance is okay. Many Ohio homes have vast open lands that can be fun to ride on. But, just because you’re riding an ATV on private property does not mean that a home policy insurance will cover any damages or accidents that may occur. We’ll elaborate more on those parts later.

You Need ATV Insurance in Ohio

Ohio state laws require drivers to obtain ATV insurance when riding in state parks or other public property. As mentioned above, utilizing an ATV on private property is not required. Although, you need to remember that insurance helps to cover such risks. Property insurance, home insurance, and auto insurance in Ohio do not cover ATV-related injuries, accidents, or death.

What if your ATV gets stolen or catches on fire? Most likely, your homeowners’ insurance will not cover those types of damages either. This is why it is crucial to purchase affordable ATV insurance in Ohio.

Affordable ATV Insurance in Lancaster

At Bill Palmer Insurance Agency, we’re here to help you purchase the best insurance policy for your ATV. Our staff is knowledgeable and experienced in this area of Ohio.

Not only do we work with top insurance carriers, but we also offer competitive insurance rates. Our agents can help you bundle your home, auto, and ATV insurance to save money on your annual premium.

Some clients call and ask, how much does ATV insurance cost, and does it cover other riders beside the driver? Well, we have some good news. When looking at all-terrain vehicle stats vs. motorcycle stats, insurance carriers assess the risk, and ATVs are lower-risk vehicles by comparison. The logic behind this is that people tend to spend less time riding on ATVs and as high a top speed as most motorcycles.

If you’re looking for affordable ATV insurance in Ohio, contact us today for a free quote at 740-687-5733 for more information regarding our products and services.