All-terrain vehicle (ATV) owners in Rochester, MN, must register their vehicle with the Department of Natural Resources (DNR). State law also requires drivers to have proof of ATV insurance, but how much is enough? We answer this question to help customers avoid penalties and fees.

What Types of ATV Insurance Coverage Are Available in Rochester, MN?

Liability, collision, comprehensive, and uninsured/underinsured motorists are available in most states, including Minnesota. Liability covers damage to drivers, passengers, and personal property. Collision covers vehicle damage, and comprehensive covers damage not caused by a vehicle accident. Uninsured or underinsured motorists cover drivers with no insurance or not enough insurance. We also offer specialty insurance within the ATV bubble for roadside assistance, personal injury protection (PIP), guest passengers, ATV parts, and rentals.

What is the Minimum Coverage in Rochester, MN?

We can tell you that the minimum coverage is liability insurance, personal injury protection, and uninsured/underinsured motorists. Liability insurance must have property damage and bodily injury coverage. The minimum for adequate coverage is $60,000 for bodily injury and $10,000 for property damage. You also need $30,000 for bodily injury per person. 

For uninsured or underinsured motorists, you must have $25,000 minimum coverage for one person and $50,000 for two or more people. For PIP, it’s $40,000 per person per accident. Half of the money covers medical expenses, and the other half covers non-medical expenses. You are free to have more, but you cannot have less.

The minimum coverage in Minnesota may not suit you. We seek ATV insurance coverage that satisfies Minnesota laws and your needs. We factor in deductibles, discounts, and driving history to produce coverage that both parties like. Contact Safechoice Insurance Agency for more information on ATV insurance coverage.