Riding ATVs across Missouri trails is a lifestyle, but the excitement of exploring rugged terrain comes with responsibility. Off-road vehicle insurance ensures an accident doesn’t turn your hobby into a financial burden.
At David Pope Insurance Services, LLC, we understand the thrill of the ride and the importance of safety. We provide affordable off-road vehicle insurance and various auto insurance solutions that safeguard your adventures and your investment.
Missouri law treats off-road vehicles differently depending on where you ride and how you financed your vehicle:
Understanding these requirements enables you to stay compliant while protecting yourself, others and your off-road vehicle.
Knowing what your policy includes is the first step toward riding your ATV with confidence. Off-road vehicle insurance coverage typically offers four primary protections:
Each type of coverage adds a layer of security, allowing you to worry less about unexpected costs and spend more time having off-road adventures.
Finding the right policy and insurance partner is key to maximizing the value of your coverage. David Pope Insurance is an independent agency that works for you. Our expert agents compare policies from multiple carriers and tailor insurance plans based on your needs. We are dedicated to providing you with the best balance of coverage and cost.
David Pope Insurance has more than 15 years of experience serving Missouri residents. Our deep understanding of Missouri’s unique requirements allows us to provide expert guidance to riders in the Midwest. Our company serves individuals and businesses in Missouri and surrounding states, so you can trust us to help you find the right protection. We also adapt quickly to new insurance regulations and products to help save you money and improve your protection.
It depends on state laws, but in most cases, the answer is yes. State laws may also vary about the kind of registration needed.
For instance, in Missouri, you can’t own an ATV unless you have a certificate of ownership (the vehicle’s title) issued by the Missouri Department of Revenue. You need to apply for the certificate within 30 days of acquiring your ATV. When you sell your ATV, all the decals and certificates expire. The new owner must register the ATV in their name with the department and pay all the appropriate fees.
You must renew your registration every three years, and no one under the age of 16 can register an ATV. Individuals under the age of 16 can only drive on property owned by a parent or a legal guardian or drive with a parent or a legal guardian.
Most insurance companies offer coverage for ATVs under their motorcycle insurance policies. When you’re shopping for ATV insurance online, and you’re asked for vehicle information, instead of entering a motorcycle, enter an ATV.
Depending on the kind of insurance you purchase and how much, it will protect you and your finances in case of an accident, injury, loss, damage or theft of your ATV.
Health insurance may cover an ATV accident unless your health insurance coverage prohibits “hazardous activities,” which may include riding an ATV. You should check with your health insurance provider to see if this is the case. If it’s not excluded, and you are involved in an accident while driving your ATV, your health insurance may cover your medical bills if the other driver’s liability insurance does not cover them.
Yes. Most ATV insurance policies only provide coverage for recreational or commuting usages. Commuting is defined as traveling across your property to a barn or to work on another part of your property. Standard ATV insurance policies do not cover any damages or injuries that are connected to organized racing. You may need to work with a specialty insurance company to get these kinds of policies.
Since it is illegal in almost every case to drive a privately owned ATV on a public road or highway, standard insurance policies will not provide coverage to you if you are injured or involved in an accident while driving in these areas. Some local governments do allow ATV traffic on highways and roads, but these areas will be specifically marked, and most are located on reserves or in large state parks. Never assume that you are allowed to drive your ATV on any public road, trail or highway. ATVs can cross highways and roads but usually only at designated points.
Typically, ATVs cost less to insure than motorcycles. The biggest reason for this lower price is how often people use ATVs. Even ardent enthusiasts generally drive fewer miles and spend less time on their ATVs than a motorcycle driver spends on their bike. Overall this means that there are fewer ATV accidents than motorcycle accidents.
Ultimately what you pay for ATV coverage depends on several factors, some of which are similar to the factors involved in purchasing car insurance. The driver’s age and sex, the age of the vehicle, where they use the vehicle, how often they use it and how much coverage they require all affect the price.
So, for instance, a middle-aged male driver who only uses their ATV on the weekend around their own property and only purchases liability coverage will pay less than a male driver in their 20s who spends more time on their ATV and takes their vehicle to a state park and wants collision and comprehensive coverage.
Ultimately, the best idea is to speak to an insurance broker, like David Pope Insurance Services LLC, who can give you a much clearer idea of what you will pay and how much insurance you really need.
In most cases, yes. ATV insurance covers your vehicle and any riders as long as the operator of the vehicle is at least 16 years old and has a valid driver’s license. As with cars, your ATV insurance coverage covers your vehicle if a friend with a valid driver’s license takes it out for a ride.
If your 12-year-old son or daughter is driving an ATV that can carry passengers and they are involved in an accident, this could be a problem. If this is a possibility, it’s important to check your coverage with your insurance agent so you know what your policy covers and who it covers. While it’s generally not illegal for individuals of any age to drive an ATV, it may affect policy coverage.
In most cases, homeowners insurance policies do not cover an ATV if it’s damaged in a collision or an accident, even on the policyholder’s property. The property coverage of a homeowner’s insurance policy does not extend to vehicles. The homeowner’s policy might cover a small electric scooter but only if it’s used on the policyholder’s property. All other vehicles, including cars, boats and ATVs, require separate insurance policies.
Your homeowner’s liability insurance, however, might cover an accident involving an ATV if someone was injured or their property was damaged. For example, if a friend was riding a four-wheeler on your property and they were involved in an accident and sue you for damages, a homeowners liability insurance policy will typically cover the costs.
Remember homeowners policies often have limitations on how much they cover, and for your homeowner’s policy to cover an injured rider, they might have to be a certain age or related to you. This is another question for your insurance agent, who can tell you more about what your homeowners policy does and doesn’t cover concerning an ATV accident on your property.
You can typically finance an ATV for anywhere from one to six years. While you are financing the purchase of an ATV, you will probably be required to carry liability and collision insurance for the duration of your term.
If you are found to be at fault in ATV accident, liability coverage will protect you. There are two kinds of liability coverage — property damage liability and bodily injury liability.
Property damage provides coverage for damage caused on someone else’s property while you are using your ATV. It also offers you legal protection if someone files a lawsuit against you. Damage liability usually has a claim limit on it for each incident or damage occurrence. This limit usually is equal to or lower than the limit for a bodily injury claim limit.
Bodily injury coverage protects you if you hurt or kill another person while you are using your ATV and also provides you with legal defense if someone else involved in the accident files a lawsuit.
This is the kind of coverage that most states require if you’re going to drive your ATV in public places such as state parks. You might want to carry this kind of liability coverage even if you only drive on your private property. If someone uses your ATV without your permission or supervision and they are in an accident or injured, you might be held liable for the injuries they have suffered.
If your ATV runs into another vehicle or if it overturns while you are driving in a particularly nasty piece of terrain, this coverage will help repair your vehicle. The amount you will pay depends on what you choose as a deductible — the amount you pay before your insurance company pays the rest.
Owners of older ATVs may choose not to carry this coverage because it will help keep their overall premiums low. If you have a newer model ATV, then you will most definitely want to carry collision. So before you choose a collision policy, it is important to determine how much your ATV is worth.
If you are leasing or financing your ATV, you will often need to carry collision coverage.
Comprehensive is another optional form of coverage. It covers issues besides collisions and protects against vandalism, flooding, theft, fire, earthquake and other risks. It also has a deductible. ATV owners may or may not want to carry comprehensive depending on the age of their vehicle, how often they use it and how likely the covered incidents are to occur.
If you or someone who has permission to use your ATV are in an accident with another individual who either lacks insurance or lacks appropriate coverage, an uninsured/underinsured motorist policy covers your expenses. In most cases, if someone else causes an accident, their insurance will cover any costs associated with the incident. There are times, however, that the other driver still will not have purchased coverage. This issue may occur even when state law requires that ATV drivers have insurance. There are per individual and per accident limits to this form of coverage, as with bodily injury coverage.
Missouri has a surprising number of great options when it comes to ATV riding. There are carefully curated ATV trails and state parks, and you might even be able to find a secret spot or two to have your own ATV adventures.
Missouri also has rules and laws regarding ATV use that you may not be aware of. For example, it is illegal to ride ATVs through streams and rivers in Missouri if they are not on your own property. This is something that’s important to know but not obvious. When you have ATV insurance in Missouri, you’re covered against various liability issues that you might not necessarily know about related to your ATV use.
It’s also difficult to operate an ATV under the same safety conditions as a standard vehicle. Flips, collisions and crashes are much more likely, even for an experienced ATV rider, and when they happen, the damage to people or property can be costly.
If you’ve been putting off looking for a four-wheeler insurance agency in the Midwest because of concerns about cost, think about how much more expensive it can be not to carry ATV insurance. Area companies that offer standard auto insurance may not have experience with off-road vehicles, but at David Pope Insurance Services, LLC, we do.
Before you head out on the trail, make sure your off-road vehicles are covered with the right insurance. Request a free quote from David Pope Insurance Services, LLC today to find the best off-road vehicle protection at competitive prices. You can also contact us online to learn more about our auto, home, commercial and life insurance solutions and services.
Jenna TodtExcellent customer service
Joy WilcoxGood service. Nice people.
Erin PfeifferGreat people to work with, very knowledgeable and friendly
JCBGreat staff and great rates! Would recommend!
Steve ForrestExcellent knowledge, extremely helpful and very quick communication response.
Matthew LuekenGreat job getting us a very competitive price!
Felisha StarnesVery helpful! So thankful for the support you have been to my family.
Pasha MalekniaI searched for insurance and I was able to find this service. Pretty satisfied with the price.
Jaybob LenDid a great job of answering all our questions and saved us a lot on insurance. Thank you for all your help.
Linda SinclairWe love working with you because we trust you. It’s a worry-free process. You do all the work!
Karen ButterfieldWe insure home/auto through David Pope Insurance. David and his team are always very responsive and helpful.
Kody FlemingMy experience with David Pope insurance has always been very good. They are always very helpful, and get things done within a timely matter.
Brandy TaylorThe agency was able to lower my home and auto rates by hundreds of dollars. I recommended them to a friend, and they were able to lower their rates by hundreds of dollars as well!
Stacey DonnellyCalled and David and his team got our insurance lowered. Great to work with and always willing to help us save money.
Victoria AdkinsHandle most things through email and they are very quick to respond! Doing business with David Pope Insurance Services is very easy. Never get a run around and always pleasant.
Raymond LifkaDavid was able to get me a better mortgage and auto policy for way cheaper than what I currently had. I told my friend to give David a call and he was able to do the same thing. Highly recommended!
Jennifer FosterShopping for better priced homeowner’s insurance is something I had put off several times, because I didn’t want to deal with the hassles that are usually involved. However, Zack & the team at David Pope made the process simple, low pressure, and with great savings! I started out shopping for just homeowner’s insurance and before it was over decided to move my vehicles and save extra money there too! Overall, I highly recommend.
Abby CrawfordZack was great to work with and was super responsive and helpful. He answered my emails at all times of day, all throughout the week and was able to cut our auto insurance premium in half! Super satisfied so far!
Kristia BrooksDave has been my insurance agent for the past 13 years. He and his staff always deliver exceptional customer service. They do an excellent job of taking care of all of my insurance needs. Highly recommended!
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance with great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KnappExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FinoI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KaufmanThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!