ATV Insurance in North Carolina

From rugged trails in the Appalachians to wide-open farmland across the Carolinas, your all-terrain vehicle deserves coverage that’s as fearless as your ride. Catawba River Insurance Group offers protection for ATVs, UTVs, side-by-sides, and more—on the trail, in transit, and off-season.

Get an ATV Insurance Quote

Off-Road Coverage with Real-World Protection

Our policies are built for off-road use, insuring both recreational and utility ATV owners with comprehensive protection.

  • Collision & comprehensive coverage for your ATV or UTV
  • Liability protection for injuries or damage to others
  • Safety gear and trailer coverage
  • Uninsured/underinsured motorist protection

Beyond the Trailhead—Protection That Travels

We understand your ATV sees more than just one terrain. Our policies keep you covered wherever your ride takes you.

  • Coverage while hauling to trails and events
  • Storage and theft protection for off-season
  • Custom equipment and modifications insured
  • Flexible deductibles for personalized pricing

Serving Hickory, Blowing Rock, Lenoir, Charlotte, and rural communities across North and South Carolina

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Why ATV Owners Choose CRIG

As outdoor enthusiasts ourselves, we understand how—and where—you ride.

Tailored Off-Road Policies
Designed specifically for ATV and UTV use in varied terrain.

Rider-First Coverage
Focused on both safety and flexibility for adventurers.

Protection for Add-Ons
Includes coverage for racks, radios, winches, and more.

Fast, Local Claims Support
Quick help when you need it from agents who know your region.

FAQs

  • Is ATV insurance required in North Carolina?

    No, but it’s strongly recommended—especially if you ride on public land, transport your ATV, or have financed your vehicle.

  • Are riders covered in case of injury?

    Yes, medical payments can be included to help with injuries sustained while riding.

  • Can I bundle ATV insurance with other policies?

    Definitely. Bundle with home, auto, or umbrella insurance to save and simplify.

  • Does it cover theft?

    Yes, comprehensive policies include theft protection for your ATV whether it’s stored at home or on the trail.