Motorcycle & ATV Insurance

Get Coverage for Your Off-Road Adventures

Protect Your ATV, Dirt Bike, UTV, & Motorcycles

Owning an off-road vehicle is all about adventure and thrill—but accidents happen. Whether you're riding through the trails, racing on the track, or exploring off-road terrain, motorsport insurance provides essential protection for your vehicle, passengers, and liability risks.


At A.G. Beck Insurance, we offer specialized coverage for ATVs, dirt bikes, UTVs, snowmobiles, and other motorsport vehicles. As an independent agency, we work with top-rated insurers to find you affordable, high-quality protection tailored to your riding needs.



Serving off-road enthusiasts in Silverdale, WA, and across Washington.

Get in touch.

What Does Motorcycle & ATV Insurance Cover?

Standard auto insurance does NOT cover off-road vehicles, making motorsport insurance a must-have for ATV riders, dirt bike owners, and UTV enthusiasts.

Collision Coverage

  • Pays for repairs or replacement if your ATV or dirt bike is damaged in an accident.
  • Covers rollovers, crashes, and off-road collisions.

Comprehensive Protection

  • Covers damage from fire, theft, vandalism, and severe weather.
  • Essential for protecting your off-road vehicle year-round.

Liability Insurance (Required in Washington for Some Off-Road Vehicles)

  • Covers bodily injury and property damage if you cause an accident.
  • Protects against lawsuits from injured riders or third parties.

Uninsured/Underinsured Motorist Coverage

  • Covers medical expenses and vehicle damage if you're hit by an uninsured rider.
  • Protects against hit-and-run accidents.

Passenger & Medical Payments Coverage

  • Pays for medical bills if you or a passenger is injured while riding.
  • Covers ambulance costs, hospital stays, and rehabilitation expenses.

Coverage for Custom Parts & Accessories

  • Protects aftermarket parts, custom paint jobs, upgraded exhaust systems, and specialized gear.
  • Optional coverage for riding apparel, helmets, and communication devices.

Not sure what coverage you need? Our experts can help tailor a policy that fits your motorsport lifestyle.

Who Needs Motorsport & ATV Insurance?

If you own an off-road vehicle, you need insurance to protect your investment, cover injuries, and meet legal requirements.


Motorsport & ATV Insurance is Essential for:

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ATV & UTV Owners

Protection from crashes, theft, and liability claims.

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Dirt Bike & Motocross Riders

Coverage for accidents, custom parts, and medical expenses.

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Snowmobile Enthusiasts

Essential for winter riders to protect against icy conditions.

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Dune Buggy &

Sand Rail Owners

Protection against rollovers and off-road damage.

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Off-Road Racing Teams

& Recreational Riders

Comprehensive coverage for competition and leisure use.

Need insurance for your ATV or motorsport vehicle? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Motorsport Coverage?

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Customized Coverage for Off-Road Vehicles

We tailor policies for your ATV, dirt bike, or snowmobile to fit your riding style.

Independent & Unbiased

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We compare multiple insurers to secure the best coverage at the lowest rate.

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Year-Round Protection

Whether you ride seasonally or year-round, we provide continuous coverage.

Fast Claims Assistance

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If an accident happens, we help navigate the claims process so you can get back to riding.

Want to protect your motorsport vehicle? Call (360) 692-5998 today!

Motorsport Insurance Discounts & Cost Savings

Looking for affordable motorsport insurance? You may qualify for these money-saving options:

  • Multi-Policy Discount – Save when you bundle ATV insurance with auto or home insurance.
  • Safety Gear Discount – Lower rates for riders who wear DOT-approved helmets and protective gear.
  • Experienced Rider Discount – Reduced premiums for riders with a clean riding record.
  • Storage & Security Discounts – Save money if your ATV or UTV is stored in a secure garage or facility.

We’ll help identify every available discount to lower your off-road insurance costs!

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Frequently Asked Questions (FAQ) About Motorsport & ATV Insurance

  • Do I need insurance for my ATV or dirt bike in Washington?

    Washington state requires liability insurance for certain off-road vehicles that operate on public roads. Even if it’s not required, insurance protects you financially from accidents, theft, and injuries.

  • Can I add my ATV to my auto insurance policy?

    No—standard auto policies do not cover off-road vehicles. You need a specialized motorsport insurance policy.

  • Does ATV insurance cover theft?

    Yes! Comprehensive coverage pays for theft, vandalism, and damage from natural disasters.

  • How much does motorsport insurance cost?

    Costs depend on your vehicle type, riding frequency, and coverage limits. Many riders can get coverage starting at $10–$20 per month.

  • Can I insure my ATV for racing or competitive events?

    Yes! We offer specialized coverage for off-road racing, motocross, and competitive motorsports.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Motorsport Insurance Quote Today!

Ride with Confidence—Protect Your Off-Road Vehicle

At A.G. Beck Insurance, we help motorsport enthusiasts, ATV riders, and off-road adventurers secure affordable, high-quality insurance coverage for their vehicles.

  • Compare ATV & motorsport insurance quotes from top providers.
  • Customizable coverage tailored to your off-road riding needs.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with a motorsport insurance expert.

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Request a free, no-obligation ATV insurance quote online.

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Get a Free Motorsport Insurance Quote →

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Hit the trails, tracks, and dunes with confidence—get covered today!