Off Road Vehicle Insurance Minnesota — Frankot Agency
Off Road Vehicle Insurance
Coverage for every trail, every season.
Minnesota has some of the best off-road and snowmobile trails in the country. Whether you're riding ATVs through the Northwoods or cruising on a side-by-side, Frankot Agency has the coverage to keep your adventure going.
What's Covered
Off-Road Coverage for Every Vehicle
Liability Coverage
Covers bodily injury and property damage you cause to others while operating your off-road vehicle.
Collision Coverage
Pays to repair or replace your ATV, UTV, or snowmobile after a collision with another vehicle or object.
Comprehensive Coverage
Covers theft, fire, vandalism, and weather damage — important for vehicles stored outdoors or in remote areas.
Medical Payments
Covers medical expenses for you and your passengers if injured in an off-road accident.
Uninsured Motorist
Protects you if you're hit by an uninsured rider on the trail.
Trail & Transport Coverage
Coverage extends to your vehicle while on designated trails and while being transported on a trailer.
Why Frankot Agency
Local Expertise,
Personal Service
As an independent Minnesota insurance agency, we work for you — not the insurance companies. That means we shop multiple carriers to find you the best coverage at the best price.
- Coverage for ATVs, UTVs, side-by-sides, and snowmobiles
- Minnesota trail-specific expertise
- Seasonal coverage options for year-round riders
- Agreed value coverage available for high-value machines
- Bundle with home or auto for multi-policy discounts
- Fast quotes — get covered before your next ride
Common Questions
Frequently Asked Questions
Is ATV insurance required in Minnesota?
Minnesota requires liability insurance for ATVs operated on public lands and trails. Even where not legally required, coverage is strongly recommended given the risks involved in off-road riding.
Does my homeowners insurance cover my ATV?
Homeowners insurance may provide very limited coverage for ATVs on your own property, but it typically does not cover you on trails, roads, or other properties. A dedicated off-road vehicle policy is the right solution.
Can I insure my snowmobile with the same policy?
Many carriers offer combined policies or endorsements that cover multiple off-road vehicles including snowmobiles, ATVs, and UTVs. Ask your Frankot agent about multi-vehicle options.
Am I covered on private land?
Coverage varies by policy. Most off-road vehicle policies cover you on designated trails and public lands. Coverage on private property may require a specific endorsement. We'll make sure your policy matches how and where you ride.
Ready to get covered?
Talk to a local Minnesota agent today — no pressure, no obligation.