Insurance for Your RZR, UTV & Side-by-Side
All years and submodels insured. Liability, physical damage, and accessories coverage built by an agent who actually rides. Same-day quotes.
We Insure All Years and Submodels — Because We Ride Too
Off-road vehicles are almost always excluded from standard auto and homeowners policies. If you have a loan, drive on the road, or worry about theft, lightning, flood, windstorm, hail, or fire, you need a dedicated policy — and if you don't worry about risks to yourself, worry about injuring others in an accident.
We place liability and physical damage coverage for Polaris RZR, Can-Am Maverick/X3, Yamaha YXZ, and every side-by-side on the market — plus the accessories, trailer, and roadside coverage most riders never realize they're missing.
Coverage Built Around How You Actually Ride
From the basics every rider needs to the coverage most policies leave out.
An Agent Who Learned Insurance the Hard Way
My name is Josh Cotner and I used to work in construction. I fell through a roof in 2005 and had a nightmare workers compensation claim. I needed to support my family, and I learned a lot about liability and insurance during my recovery time...
Read My Full StoryTop 10 RZR Accessories Worth Insuring
A rundown of the upgrades that keep you safer on the trail — from an agent who has seen exactly what happens when they're missing, and what happens to a claim when they aren't scheduled on your policy.
- 1Aftermarket Roll Cage
- 2Seat Belts
- 3Window Nets
- 4Intrusion Bars
- 5Windshield
Common RZR & UTV Insurance Questions
Do you write insurance for Polaris RZR?
Yes — we insure all years and submodels! Whether you're riding a brand-new RZR Pro R or an older RZR 800, we can get you a policy.
How much is insurance for a side by side?
It depends on your state, your driving record, your credit, and your location. There are many other factors like the value of the side-by-side also. The best way to get an exact number is a quick quote.
Do you need to insure a side by side?
If you have a loan, yes. If you drive it on the road, yes. If you worry about theft, lightning, flood, windstorm, hail, and fire, yes. If you don't worry about risks for yourself, worry about injuring others in an accident — RZR insurance covers bodily injury and property damage.
What is the average cost of UTV insurance?
It ranges from $25–$100+ a month, depending on your coverage limits, the value of your machine, your state, and your driving history.
How do you find the best RZR insurance?
Speak with an agent that knows your RZR and enjoys riding with you! That's exactly the kind of agent you'll get here.
What UTV and side-by-side brands do you insure?
We insure Polaris RZR, Can-Am Maverick and X3, Yamaha YXZ, Kawasaki Teryx, Honda Talon, and other major side-by-side brands — all years and submodels.
Ready to Get Your RZR Covered?
Same-day quotes, all years and submodels insured. Speak with an agent who knows your machine.