ATV & Side-by-Side Insurance in Tennessee
Tennessee is home to Windrock Park—the largest private OHV park in the United States—plus Royal Blue, Brimstone, and dozens more trail systems. We compare rates from 50+ carriers to protect your ATV, UTV, or side-by-side.
Do I need insurance for my ATV or side-by-side in Tennessee?
Tennessee doesn't legally require ATV insurance for off-road use, but the state's world-class trail systems mean serious riding and serious risk. Windrock Park alone has 73,000 acres of challenging terrain where rollovers and collisions happen regularly. A single ATV injury can result in $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 $70/year, the cost is minimal compared to the risk.
Tennessee ATV & SxS Riding Considerations
Windrock Park — Largest Private OHV Park in the US
Windrock Park near Oliver Springs spans 73,000 acres with over 300 miles of trails ranging from beginner to extreme. The challenging terrain means accidents are common, especially on advanced trails and rock crawling sections.
Collision and medical payments coverage is essential for Windrock riding. Many trails are remote with limited cell service.
Royal Blue & Brimstone Recreation
Royal Blue WMA and Brimstone Recreation in the Cumberland Plateau offer hundreds of miles of trails through former coal mining land. The terrain includes steep grades, creek crossings, and rocky sections that test both rider and machine.
Trailside/roadside assistance coverage is valuable for remote trail breakdowns.
County Road Ordinances
Some Tennessee counties have passed local ordinances allowing ATVs on certain county roads. If you ride on public roads where permitted, liability insurance becomes much more important as you're sharing the road with cars and trucks.
If your county allows road use, carry at least the same liability limits as your auto insurance.
Theft Prevention
ATVs and UTVs are frequent theft targets in Tennessee's 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%.
Ready to Save on ATV Insurance in Tennessee?
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Ready to Save on Insurance?
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