ATV Insurance

Protect your ride, wherever the trail takes you.

ATVs are more than just a toy — they’re an investment. Whether you’re out hunting, working the farm, or just enjoying the outdoors, one accident could cost you far more than you expect. That’s why ATV insurance is essential for riders in Tennessee, especially when using state-owned land where coverage is often required by law.

At Cothren Insurance Agency, we help ATV owners find policies that balance protection and affordability. Coverage options can include:

Comprehensive Coverage – Helps cover damage or loss caused by theft, fire, vandalism, flooding, or other non-collision events.

Collision Coverage – Pays for repairs if your ATV is damaged in an accident with another vehicle or object.

Liability Protection – Covers costs if you’re responsible for property damage or injuries to others while riding.

Bodily Injury Coverage – Assists with medical expenses, lost wages, and legal costs if someone else is hurt in an ATV accident.

Uninsured/Underinsured Motorist Coverage – Provides security if you’re hit by someone who has little or no insurance.

Medical Payments – Offers coverage for medical bills for you or your household after an accident.

Why Choose Us?

Our team knows the unique risks Tennessee ATV riders face — from backcountry trails to open farmland. We’ll help you customize a plan that gives you confidence every time you start the engine.

Call Cothren Insurance Agency in Lawrenceburg, TN, or Get a Quote Now!