Getting an ATV or UTV insurance quote from the Terry Smith Agency takes a few minutes and a handful of details about your machine and your riders. This page covers exactly what to have ready, the coverages you'll pick from, and what happens after you hit submit. If you're still deciding whether you need coverage at all, start with our complete Michigan ATV & UTV insurance guide, which explains the homeowners-policy gap, Michigan ORV rules, and typical costs in depth.
What We Need From You
The more accurate these details are, the more accurate your quote. Have this ready before you start:
- The machine: year, make, model, and VIN for each ATV, UTV, or side-by-side, plus whether it's financed or leased (and the lender's name).
- The riders: names and birth dates of everyone who will operate it, including younger family members.
- Storage: where it's kept when you're not riding, such as a locked garage, pole barn, or outdoors.
- Trailer: whether you haul it to trailheads or camp, and if you'd like the trailer covered too.
- Where you ride: only on your own property, or also on trails, public land, or someone else's land.
- Add-ons: any winch, plow, lift kit, aftermarket wheels, or other accessories, and the safety gear you'd want covered.
- Your other policies: if you already have home or auto coverage, mention it so we can price a bundle.
Have your VIN handy?
Start your request online, or call and we'll walk through it together.
The Coverages You'll Choose
Your quote is built from these coverages through Farmers. You decide which to include and at what limits; we'll explain the trade-offs on each one.
Not sure which limits make sense, how off-road riding affects your homeowners policy, or what other Michigan riders pay? Read the full Michigan ATV and UTV insurance guide before you choose.
How Your Quote Works
Send Your Request
Fill out our online quote form or call (269) 404-4049 with the details above.
We Follow Up
A member of our Battle Creek team reaches out, typically within one business day, to confirm details and answer questions.
Compare Your Options
We walk you through coverage choices and limits so you can see how each one changes the price.
Get Covered
Pick what fits and we'll set up your policy. Same-day coverage is available in most cases.
An insurance policy doesn't replace your ORV license. The Michigan DNR requires an ORV license on eligible public routes and a trail permit on state-designated trails; machines operated only on land you own or control are exempt. See the Michigan DNR ORV permits and requirements page for current rules.
ATV & UTV Quote Questions
Have the year, make, model, and VIN for each machine, the names and birth dates of everyone who will ride it, where it's stored, whether you haul it on a trailer, and whether you ride only on your own property or also on trails and public land. If the machine is financed, have the lender's name ready.
A member of our Battle Creek team follows up on online quote requests, typically within one business day. Want to talk it through now? Call (269) 404-4049 during office hours. Same-day coverage is available in most cases once you choose your coverages.
Yes. We quote ATVs, UTVs, side-by-sides, and utility quads through Farmers, and you can add coverage for aftermarket parts like winches, plows, lift kits, and custom wheels. Tell us how the machine is set up and used so the quote matches it.
Yes. Adding your ATV to a Farmers multi-policy household with Terry Smith Agency is one of the easiest ways to save, and it keeps all your coverage with one local agent. Mention your home and auto policies when you request your quote so we can price the bundle. Have a boat, RV, or jet ski too? See our recreational insurance page.
The license is separate from insurance. The Michigan DNR requires an ORV license to ride eligible public routes and an additional ORV trail permit on state-designated trails and scramble areas; machines operated only on land you own or control are exempt. See the Michigan DNR ORV permits and requirements page for current rules.
Ready for your ATV or UTV quote?
Get a free, no-obligation quote from your local Michigan Farmers agent, or call (269) 404-4049.