ATV and UTV insurance · Mt. Juliet, TN
ATV and Side-by-Side Insurance for Mt. Juliet Riders
Whether it’s a work UTV on a few acres outside town or a four-wheeler that heads to the trails every weekend, I’ll help you understand how it should be insured.
Dustin Rodgers and team
Local ATV and UTV insurance help from our Mt. Juliet office
Your local agent
Off-road toys, on-the-record coverage
People are often surprised to learn their homeowners policy may do very little for an ATV once it leaves the yard. Off-road vehicles can be expensive to repair, easy to steal off a trailer, and capable of causing real injuries. An ATV or UTV policy is built for that. Tell me what you ride, where you ride it and who else drives it, and I’ll walk you through the options in plain language.
Coverage
What ATV and UTV Insurance Can Cover
Off-road vehicle policies are often structured like a small auto policy. Depending on the policy, you may be able to choose from:
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Liability
Can help if you’re found responsible for injuring someone or damaging their property while riding, up to your limits.
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Collision
Can help repair or replace your ATV or UTV after it hits something or rolls over, minus your deductible.
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Comprehensive
Can help with covered losses that aren’t a collision, such as theft, fire, vandalism or a tree limb falling on it.
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Accessories and gear
Winches, racks, plows and other add-ons may need their own coverage amount to be included.
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Uninsured motorist
Where available, can help if you’re hurt by a rider or driver who doesn’t have insurance.
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Medical payments
Where available, can help with medical bills for you or your passengers after a covered accident.
ATV and UTV coverage options vary by policy and underwriting. Racing, rentals and business use are commonly excluded or need different coverage. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Details That Change an ATV Policy
The right setup depends on how the machine is used. These are the questions I’ll ask:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Who rides it, including teenagers and guests
- Whether it’s used for work on your land, for recreation, or both
- Where it’s stored, and whether it rides on a trailer
- The value of aftermarket parts and accessories
- Whether you ever drive it on a public road, which brings Tennessee’s road rules into play
Around Mt. Juliet
Riding Around Mt. Juliet and Middle Tennessee
Tennessee allows some ATVs and other off-highway vehicles on certain public roads, but only when registration, insurance, equipment and licensing rules are met. Interstates like I-40 are off-limits, and cities and counties can restrict roads under their control, so check the current rules before you ride.
If your machine never leaves private land or a trail, the state’s road rules may not apply the same way, but riding areas often have their own rules. Check before you load up.
A lot of ATV losses here are less dramatic than a crash: a four-wheeler stolen from a trailer in a driveway, or a UTV damaged in a shed during a storm. Comprehensive coverage and a lock on the trailer go a long way.
Sources: Tenn. Code 55-8-185: off-highway vehicles on public roads · Tennessee Department of Revenue: off-highway vehicle title and registration · Tennessee Department of Revenue: Financial Responsibility Law
Thinking about riding on the road?
Road use in Tennessee comes with registration, insurance, equipment and licensing rules, and local governments can restrict their roads. Check with the city or county before you ride on a public road, and tell me so your policy reflects it.
Areas we serve
Areas I Serve
I work with ATV and UTV owners in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville and the rest of Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop whether you’re coming from Lebanon Rd, Hermitage or the lake side of town.
Closer to a neighboring town? See ATV and UTV insurance in Hermitage, Lebanon ATV and UTV insurance, ATV and side-by-side coverage in Nashville and Gallatin ATV and side-by-side coverage.
Why a local agent
Why Riders Work with a Local Agent
- We ask how you actually ride: work, trails, kids, guests: it all matters.
- Toys in one place: ATV, boat, motorcycle, auto and home can be reviewed together.
- Straight answers on road use: we’ll talk through what changes if it ever goes on a public road.
- Help after a loss: my office can help you understand the next steps with a claim.
- Local: we’re on Providence Pkwy in Mt. Juliet, Monday through Friday.
Reviews
What Mt. Juliet Neighbors Say
Riders, families and longtime neighbors have shared what it’s like to work with my office. Read their reviews on Google, or leave one of your own.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Mt. Juliet ATV And UTV Insurance FAQs
Updated
Does my homeowners policy cover my ATV?
Sometimes in limited ways, often not much. Many homeowners policies restrict coverage for motorized vehicles, especially away from your property. A separate ATV or UTV policy is usually designed to fill that gap. We can look at what your current policy says.
Is ATV insurance required in Tennessee?
Tennessee doesn’t generally require insurance for an ATV used only on private property, but a lender may require coverage if it’s financed. If an off-highway vehicle is operated on a public road where that’s allowed, state law requires registration and a liability policy that meets the financial responsibility law, among other rules.
Can I ride my ATV or side-by-side on the road in Mt. Juliet?
Tennessee law allows certain off-highway vehicles on some public roads, never on interstates, and only when registration, insurance, equipment and licensing rules are met. Cities and counties can restrict roads under their control, so check with the city before riding.
Does ATV insurance cover theft?
Comprehensive coverage, if you choose it, can help with theft, subject to your deductible and the policy terms. Some policies have conditions about storage or trailers, so tell me where the machine is kept.
Are my kids covered when they ride?
It depends on the policy and who’s listed as an operator. Some policies limit coverage for younger riders or require them to be named. Tell me everyone who rides so the policy is set up correctly.
What about my winch, plow or custom parts?
Accessories may have limited coverage unless you list them or add a specific coverage amount. Keep receipts and photos, and tell me what you’ve added.
Does liability coverage follow me on the trail?
Liability on an ATV policy is designed to help if you injure someone or damage their property while riding, subject to the policy’s terms. Some trails, parks and events have their own requirements, so ask before you go.
Is a UTV I use for work on my land covered the same way?
Farm or business use can change how a UTV should be insured. Some situations may call for a farm or business policy rather than a recreational one. Tell me how it’s used and we’ll point you in the right direction.
What do I need for an ATV insurance quote?
The year, make, model and VIN; what you paid and the value of any add-ons; where it’s stored; who rides it; and whether it’s ever on a public road. Then call 615-562-5100 or use the form.
Get an ATV or UTV Insurance Quote
Call 615-562-5100 or use the form below. Have the year, make, model and VIN, the value of any add-ons and a list of who rides it.
Stop By or Call Our Mt. Juliet Office
Have a question about ATV and UTV insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed