— The SkyBlue Way
Different Machines. Different Risks. Multiple Insurance Options.
A Side-by-Side isn’t a Dirt Bike. A Snowmobile isn’t an ATV. And a Golf Cart used around a community isn’t used like a UTV on a trail. Insurance companies can have different appetites, coverage options and pricing depending on what you own and how you use it.
We Listen
Tell us what you ride, where you use it and how it is used.
We Shop
Your Sky-Agent® shops available insurance companies for Powersports coverage, pricing and options that fit
your situation.
You Choose
We explain the available options in plain language. You decide what is right for you and your ride.
Tell Us What You Ride. We’ll Shop From There.
Different rides. Different risks. One place to start.
ATV • UTV • DIRT BIKE
Built to Go Off-Road. Worth Protecting Everywhere.
ATVs, UTVs, Side-by-Sides and Dirt Bikes are made to leave the pavement behind. But accidents aren’t the only risk.
- Theft
- Fire
- Vandalism
- Certain weather events
- Collision or rollover
- Other covered losses
Those risks do not necessarily disappear when the vehicle is parked, trailered or stored between adventures.
The coverage available for one type of powersports vehicle may not be the same as another.
CUSTOM PARTS & ACCESSORIES
Made It Your Own? Tell Your Sky-Agent®.
- Wheels & Tires
- Suspension Upgrades
- Winches
- Lighting
- Storage
- Audio Equipment
- Performance Equipment
- Other Accessories
If you’ve invested money customizing your powersports vehicle, tell your Sky-Agent® what’s been added to it. Depending on the insurance company and policy, additional equipment or custom-parts coverage may be available. Do not assume every modification is automatically covered.
DON’T FORGET THE TRAILER
Your Adventure May Start With a Tow Vehicle.
ATVs, UTVs, Dirt Bikes and Snowmobiles often spend time being transported. Tell your Sky-Agent® about the vehicle, trailer and how you transport it so the complete setup can be considered. If you tow it with a truck or SUV, let us look at that insurance too.
PARKED DOESN’T MEAN RISK-FREE
Protection Matters Between Adventures Too.
- Theft
- Fire
- Vandalism
- Certain weather-related damage
- Other covered losses
Before changing or canceling coverage because your vehicle isn’t currently being used, talk to your Sky-Agent® about the protection you may be giving up and the options available.
NOT SURE WHERE YOUR RIDE FITS?
We’ll Point You in the Right Direction.
Street Motorcycle
Before changing or canceling coverage because your vehicle isn’t currently being used
Dirt Bike or Off-Road Motorcycle
Before changing or canceling coverage because your vehicle isn’t currently being used
Jet Ski, WaveRunner or Sea-Doo
Before changing or canceling coverage because your vehicle isn’t currently being used
Power Boat, Fishing Boat or Pontoon
Before changing or canceling coverage because your vehicle isn’t currently being used
PRICE & VALUE
How Much Does Powersports Insurance Cost?
- Type of vehicle
- Vehicle value
- Engine size / performance
- Where you live
- Where and how it is used
- Riding or driving experience
- Coverage limits and deductibles
- Custom parts and accessories
- Storage arrangements
- Available discounts
That’s Why We Shop.
Because an ATV, UTV, Dirt Bike, Snowmobile and Golf Cart aren’t the same type of risk, insurance companies may evaluate each one differently.
SAVE MORE
Powersports Insurance Discounts
Multi-Vehicle
Multi-Policy
Safety Courses
Riding / Driving History
Protective & Anti-Theft Equipment
Payment Options
MORE THAN ONE RIDE
ATV in the Garage. Side-by-Side at the Cabin. Dirt Bike for the Weekend?
Powersports ownership has a way of growing. Tell your Sky-Agent® about all the powersports vehicles you own. Some insurance companies may offer advantages for insuring multiple eligible vehicles.
One household. Different rides. More than one insurance option.
Shop the Whole Picture
Your Powersports Vehicle Probably Isn’t the Only Thing You Insure.
Don’t Just Bundle. Shop the Bundle.™
Your Sky-Agent® can shop the bigger picture.
WHY SKYBLUE
A Better Way to Shop for Auto Insurance.
Multiple Insurance Companies
Different Machines. Different Options.
Custom Equipment Matters
One Ride or Several
Licensed Nationwide
Real Human Help
Tell Us What You Ride. We’ll Shop From There.
THE SKY-AGENT® DIFFERENCE
More Adventure. Less Time Shopping Insurance.
A Sky-Agent® can shop available insurance companies, explain the options and help you compare coverage and price.
We shop. We explain. You choose.
Nobody Shops Alone.™
Frequently Asked Questions
Powersports Insurance FAQs
Straight answers to common questions. Still need help? A licensed Sky-Agent® is ready.
Powersports Insurance is a broad category for eligible recreational and specialty vehicles such as ATVs, UTVs/Side-by-Sides, Dirt Bikes, Snowmobiles, Golf Carts and other eligible vehicles.
Available markets may include eligible ATVs, UTVs / Side-by-Sides, Dirt Bikes / Off-Road Motorcycles, Snowmobiles, Golf Carts and other eligible powersports vehicles.
Insurance requirements vary by state, vehicle type, location and use. If the vehicle is financed, your lender may also require certain physical-damage coverage.
Depending on the insurance company and policy, Comprehensive or other physical-damage coverage may help protect an eligible insured vehicle against covered theft.
Depending on the vehicle, coverage selected and circumstances, Collision or other applicable physical- damage coverage may help with certain covered rollover losses.
Coverage may be available for eligible custom parts, accessories and added equipment. If you’ve customized your powersports vehicle, tell your Sky-Agent® what’s been added.
Coverage may be available for an eligible trailer, depending on the insurance company and policy.
Coverage for other operators can depend on the vehicle, insurance company, policy, operator and circumstances. Tell your Sky-Agent® who regularly operates it.
Yes. Some insurance companies may offer discounts or other advantages when multiple eligible powersports vehicles are insured together.
Even while stored, the vehicle can still face risks such as theft, fire, vandalism and certain weather-related damage.
Not necessarily. Dirt Bikes and other off-road motorcycles can have different insurance needs from street motorcycles. Internal Link: Motorcycle Insurance.
For the SkyBlue website, Personal Watercraft has its own dedicated category. Internal Link: Personal Watercraft Insurance.
Those belong under our dedicated Boat Insurance section. Internal Link: Boat Insurance.
SkyBlue is licensed nationwide. Available insurance companies, products and eligibility vary by state, vehicle and individual risk.
POWERSPORTS INSURANCE RESOURCES
Know Your Ride. Understand Your Coverage.
Motorcycle Insurance 101: What Every Rider Should Know
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Read the guideJet Ski Insurance 101: What Every Personal Watercraft Owner Should Know
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Read the guideNOBODY SHOPS ALONE.™