--- title: Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more description: Bonnie Brae Insurance is a local Denver, Colorado independent insurance agency, providing complete personal and business insurance services. Comprehensive coverage, quality service, and competitive prices. --- # Off-Road Vehicle Insurance ## from Bonnie Brae Insurance * * * ## Off-Road Vehicle Insurance Did you know you can get specialized insurance for your off-road vehicles just like for your car? When you’re not worried about insurance coverage, you can give your all to having fun out on the links and the trails. Off-road vehicle insurance covers golf carts, all-terrain vehicles (ATVs), dirt bikes, dune buggies, snowmobiles, and other motorsports vehicles. Your off-road vehicles are usually not covered by your regular home or auto policies. Additionally, if you want to drive your off-road vehicle on state or national park property, you will need to have it insured correctly. You can reduce the cost of your off-road vehicle insurance if you keep your overall driving record clean. If you have claims on your regular auto insurance policy for things that are your fault, or if you have driving record violations, like speeding tickets, your rates could go up. If you insure your dirt bike, your golf cart, and your snowmobile with the same carrier, you can also reduce your costs. While every policy is unique, most off-road vehicle policies generally cover similar situations: 1. Damage to your vehicle when you have a collision with a stationary object or another vehicle. 2. Damage to another person’s property while in/on your off-road vehicle. 3. Injuring someone while driving your off-road vehicle. 4. Vandalism, theft, or fire. We want you to enjoy your time outdoors with your off-road vehicle. As an independent agency, we’ll help you find the right insurance policy that lets you rest easy knowing you have the coverage you need. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/off-road-vehicle-insurance/quote) ## Insurance Partners [Liberty Mutual — American Modern — Auto Owners — Chubb — CNA Surety — Philadelphia Insurance — Progressive — The Hartford — Travelers](/insurance-companies) ## Get Your Free Off-Road Vehicle Insurance Insurance Quote [Start Here](/off-road-vehicle-insurance/quote) ## From Our Blog [**How to Prevent Common Fall Fire Hazards Around Your Home** — Cooler temperatures, shorter days, and changing leaves are all signs that fall has arrived. They also bring seasonal activities that can increase the risk of fires around the home. 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While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can…](/blog/2026/how-to-protect-your-home-during-a-power-outage) [**How Smart Home Technology Can Help Detect Problems Early** — Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs. — From water leaks to temperature fluctuations, smart home tools can provide early…](/blog/2026/how-smart-home-technology-can-help-detect-problems-early) [View all articles](/blog) ```json {"@context":"https://schema.org","@graph":[{"@type":"Service","@id":"https://www.bonniebraeinsurance.com/off-road-vehicle-insurance#service","url":"https://www.bonniebraeinsurance.com/off-road-vehicle-insurance","name":"Off-Road Vehicle Insurance","serviceType":"Off-Road Vehicle Insurance","description":"Off-Road Vehicle Insurance quotes from multiple insurance companies in Colorado, Colorado, Arizona, California, Texas, and Michigan.","provider":{"@id":"https://www.bonniebraeinsurance.com/#organization"},"areaServed":[{"@type":"State","name":"Colorado"},{"@type":"City","name":"Denver","address":{"@type":"PostalAddress","addressLocality":"Denver","addressRegion":"Colorado"}},"Cherry Creek Colorado","Metro Denver, CO",{"@type":"State","name":"Colorado"},{"@type":"State","name":"Arizona"},{"@type":"State","name":"California"},{"@type":"State","name":"Texas"},{"@type":"State","name":"Michigan"}],"image":{"@type":"ImageObject","@id":"https://www.bonniebraeinsurance.com/off-road-vehicle-insurance#image","url":"https://webtricity-assets-1.wbtcdn.com/images/s/pexels-moishy-20199524-6760475b-1170x780.e02604bc35ab0ddea5f162ebd78e60cc0850b071ace25d6d74b08ce83ddf280b.jpg","width":1170,"height":780}},{"@type":"Organization","@id":"https://www.bonniebraeinsurance.com/#organization","url":"https://www.bonniebraeinsurance.com/","name":"Bonnie Brae Insurance"},{"@type":"WebPage","@id":"https://www.bonniebraeinsurance.com/#webpage","url":"https://www.bonniebraeinsurance.com/","name":"Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more","description":"Bonnie Brae Insurance is a local Denver, Colorado independent insurance agency, providing complete personal and business insurance services. 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