ATV Insurance NY

ATV Insurance NY

Welcome to the New York ATV Insurance Center.  Here you'll find a wealth of information about ATV insurance which includes tips on keeping your rates low, coverage explanations, geo-specific trends and news, and much more.  Many say that New York is a hub for ATV riders.  With it's abundance of trails across the state, access to ATV trails is among one of the best for a state.  

For more specifics on ATV insurance in and around your city, click the link below:

Below are some valuable tips for ATV in New York State

An ATV must be registered with the Department of Motor Vehicles (DMV) if it is operated anywhere in New York State, including on the owner's property.  And for the state of New York, you may not operate any ATV, except on your own property, unless it is covered by liability insurance. Minimum required coverage is $50,000/$100,000 for death, $25,000/$50,000 for injury, and $10,000 for property damage in any one accident. You must show proof of this insurance upon the request of a judge, the police, or a person claiming to have suffered injury or property damage from your operation of the ATV.

Whether you are the operator or passenger, you should wear a helmet when riding an ATV. We recommend that you also wear a face shield or goggles, and protective clothes and footwear.

Your ATV should have the following equipment:

  • Brakes in good condition
  • A muffler which is in good operating condition and meets federal standards
  • A spark arrester approved by the U.S. Forest Service
  • Tires with at least 2/32nds of an inch tread without visible breaks, cuts, exposed cords, bumps or bulges
  • A lighted white headlight and red taillight if the ATV is driven at night

The law requires you to keep the ATV's headlight and taillight lighted when riding a half hour after sunset to a half hour before sunrise.

For information on ATV trails, click here.

We can make sure you have the required liability coverage to get your ATV on the road today.  Probably the best part about shopping with InsuranceTrak is that you can get online ATV insurance quotes right from our website!  Simply complete the form at the top of this page to get started.  You'll receive instant insurance quotes for ATV insurance returned directly to your screen on our website!  If you'd rather speak to a human being, no problem.  You can call us anytime at 585-282-0934 to get a quote.  

ATV insurance is just one part of the many personal insurances that individuals need to think about.  For a general overview of all our services, you can get started by visiting our home page.