By Steve Vander Ploeg
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
What does ATV insurance cost?
No free source publishes a verified Michigan ATV insurance average premium, so we do not invent one. What is published: Michigan DNR ORV licenses cost $26.25, or $36.25 when trail-authorized, for the April 1–March 31 year (MCL 324.81116; DNR ORV FAQ). Specialty liability and physical-damage premiums are quoted from your machine value, use, and limits.
| Market | Avg. monthly (sample) |
|---|---|
| Michigan ATV premium average | Not published |
| ORV license (MCL 324.81116) | $26.25/yr |
| Trail-authorized license (MCL 324.81116) | $36.25/yr |
Key takeaways
What Michigan homeowners should know
- MCL 324.81106 exempts ORVs from Michigan no-fault (MCL 500.3101–500.3179) — off-road ATVs are not auto no-fault vehicles by statute.
- DNR ORV license is $26.25; trail-authorized license is $36.25 for April 1–March 31 (MCL 324.81116).
- Road use, trail use, and private-land use create different insurance gaps — quote the way you actually ride.
Free rate check
Are you paying too much for ATV insurance?
Michigan ATV insurance rates by company
Company pricing for ATVs varies with machine value, age, and whether physical damage is included. Use the sample table as a layout benchmark, then compare personalized quotes.
| Company | Avg. monthly (sample) |
|---|---|
| Carrier A (sample) · Illustrative | $18/mo |
| Carrier B (sample) · Illustrative | $24/mo |
| Carrier C (sample) · Illustrative | $31/mo |
| Carrier D (sample) · Illustrative | $38/mo |
| Carrier E (sample) · Illustrative | $46/mo |
Vander Ploeg data methodology
ORV license and trail-permit fees cite Michigan Compiled Laws and Michigan DNR FAQ pages fetched 2026-08-21. Premium factor tables use an illustrative sample ATV owner profile and are not live filings or guaranteed quotes. No free source publishes a verified statewide ATV insurance average premium.
- Sample recreational ATV used primarily off-road in Michigan
- Monthly premium framing for scannability (not an annual bill)
- Carrier names anonymized until verified market data is published
- Road-registered use, machine value, and liability limits can change the premium
- Your personalized quote may be higher or lower than any sample row
Figures on this page are illustrative sample-profile benchmarks for education and layout — not live market quotes. Actual premiums vary by ZIP, vehicle, coverage, driving history, and underwriting. Ask a licensed agent for a personalized comparison.
Compare locally
Shop around for the best rates
The only way to know which company fits your file is to compare. We help you shop options from carriers such as American Modern, Foremost, National General, Progressive, and others available for your ZIP in Michigan.
Enter your zip to get started
Michigan ATV insurance by use type
Private-land-only use, public forest roads, designated trails, and street-licensed road riding are different risk profiles. Sample rows below are educational — tell us how you ride.
| Use type | Avg. monthly (sample) |
|---|---|
| Private land only (sample) | $16/mo |
| Public trails / forest roads (sample) | $24/mo |
| Trail + occasional road (sample) | $32/mo |
| Street-licensed road use (sample) | $48/mo |
Michigan ATV coverage option benchmarks
Liability-only policies address injury and property damage you cause. Collision and comprehensive (or equivalent specialty forms) protect the machine. Accessories and trailers often need separate scheduling.
| Coverage shape | Avg. monthly (sample) |
|---|---|
| Liability only (sample) | $14/mo |
| Liability + collision (sample) | $28/mo |
| Full physical damage (sample) | $36/mo |
| Added accessories / trailer (sample) | $42/mo |
Michigan ATV insurance rates by deductible
Raising the physical-damage deductible is a direct way to lower premium when you carry machine coverage. Confirm whether accessories share the same deductible.
| Deductible | Avg. monthly (sample) |
|---|---|
| $250 deductible | $34/mo |
| $500 deductible | $28/mo |
| $1,000 deductible | $24/mo |
| $2,500 deductible | $19/mo |
Licensed Michigan agency
Compare carriers with a licensed Michigan agent
Prefer a person? Call (616) 300-5301
Frequently asked questions
How do I get an ATV insurance quote?
Enter your ZIP to start. We ask about the machine, where you ride, and the limits you want, then a licensed agent shops carriers.
Do you write ATV insurance in Michigan?
Yes. We place recreational ATV and ORV coverage through appointed carriers for Michigan ZIP codes, including Kalamazoo County.
Can you compare more than one company?
Yes. As an independent agency we shop multiple carriers on every file.
Will you call or email me after I start?
Only when you ask — or when an agent needs details to finish your quote. No spam. We never sell your data.
About Vander Ploeg
Vander Ploeg Insurance Agency, LLC is a licensed independent Michigan agency based in Kalamazoo. We are not a carrier. We shop multiple companies for ATV and related recreational coverage, explain off-road versus road-use gaps, and stay on the file after you bind. Educational content on these pages is reviewed by licensed agents and is separate from any carrier relationship.