How much does ATV insurance cost in Georgia?

ATV insurance in Georgia averages $75-$300/year for basic liability and $200-$600/year for full coverage. Side-by-sides (UTVs) cost more at $200-$800/year due to higher value and passenger capacity.

Is ATV insurance required in Georgia?

Georgia does not require insurance for ATVs used off-road. However, ATVs cannot be operated on public roads in Georgia. If your ATV is financed, your lender will require coverage.

Can I ride my ATV on public roads in Georgia?

No. Georgia law prohibits ATVs and UTVs on public roads, highways, and streets. They may only be operated on private property or designated OHV trails. Crossing a public road is permitted only at designated crossings.

Where can I ride my ATV in Georgia?

Popular Georgia OHV destinations include Durhamtown Off Road Resort (one of the largest private OHV parks in the Southeast), River Rock Motorsports Park, and Beasley Knob OHV trails in the Chattahoochee National Forest. Many private properties also allow riding.

Does my homeowners insurance cover my ATV in Georgia?

Your homeowners policy may provide very limited liability coverage while on your own property, but it will not cover the ATV itself, off-property accidents, or passenger injuries. A dedicated ATV/UTV policy is needed for proper protection.

Side-by-side UTVs on a Georgia forest trail

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ATV & Side-by-Side Insurance in Georgia

From Durhamtown's massive off-road park to the trails of the Chattahoochee National Forest, Georgia offers excellent off-road riding. We compare rates from 50+ carriers to protect your ATV, UTV, or side-by-side at the best price.

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Quick Answer

Do I need insurance for my ATV or side-by-side in Georgia?

Georgia doesn't legally require ATV insurance for off-road use, but going without it is risky. ATVs and UTVs are among the most stolen vehicles, and off-road accidents can result in serious injuries with $20,000-$100,000+ in medical bills. Your homeowners policy provides minimal coverage only on your property. A dedicated ATV/UTV policy covers liability, collision, theft, and medical payments wherever you ride. With policies starting at $75/year, the cost is minimal compared to the risk.

Georgia ATV & SxS Riding Considerations

No Public Road Use

Georgia strictly prohibits ATVs and UTVs on public roads. Violations can result in fines and impoundment. This means your riding is limited to private property and designated OHV parks.

Make sure your policy covers off-road use on both private property and public OHV trails.

Durhamtown & Major OHV Parks

Durhamtown Off Road Resort in middle Georgia is one of the largest private OHV parks in the Southeast with over 100 miles of trails. River Rock Motorsports Park and other facilities may require proof of insurance.

Liability coverage is often required at organized OHV parks. Check park requirements before you ride.

Chattahoochee National Forest Trails

The Beasley Knob OHV area in the Chattahoochee National Forest offers designated trails for ATVs and UTVs. Federal land riding may have specific insurance and registration requirements.

Check USFS requirements for your specific trail system. Some require OHV registration.

Theft Prevention

ATVs and UTVs are frequent theft targets in Georgia, especially in rural areas. They're easy to load onto a trailer and difficult to track without GPS devices.

Comprehensive coverage with theft protection is essential. GPS tracking can reduce premiums 5-10%.

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