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Off-Road Vehicle Insurance

from Summit Insurance Advisors

Pheonix Arizona and Scottsdale Arizona, have some of the best scenery and outdoor space throughout the entire United States.  In order to enjoy the great outdoors you probably have some off-road vehicles.

At Summit Insurance Advisors we understand the importance of having your ATV's and other off-road vehicles insured. 

So it doesn't matter whether you’re hitting the local trails in Phoenix, AZ, the links in Scottsdale,AZ, or going off into the wild, you don't want to have to worry about whether your off-raod vehicle inssurance has you covered.

Summit Insurance is here to help make sure that you and your off-road vehicles in Arizona are covered, so that you can enjoy the trails that much more.

Summit Insurance can assist you in securing the coverage you need for your specialized vehicles. We are here to help prtect your investments- so that you can focus on having fun!

Are your off-road toys covered in Arizona?

Summit Insurance provides a wide range of off-road vehicle insurance.  Contact our team today and let us help you save money on your off-road insurance for your:

  • ATV (All-terrain vehicle) insurance
  • Dirt bike insurance
  • Dune buggy insurance
  • Golf cart insurance
  • Snowmobile insurance
  • Any other motorsports insurance

Do You Need Insurance for Your Off-Road Vehicle in Phoenix Arizona?

The simple answer is yes, because unfortunately, most specialized vehicles, such as off-road vehicles, are not covered under your standard auto or home insurance policy.  The insurance on these items tend to expire from your homeowners insurance policy once you leave your property.

Additionally, many national, state, or other public parks in Phoenix and Scottsdale, AZ require specialty vehicle riders have the right kind of coverage, in order to protect both the riders and their lands.

Keeping Insurance Costs Low in Phoenix, AZ

Several varibales may affect the overall cost of insuring a specialty vehicle. What are the best ways to keep rates low?

  • Your Safety Record - If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
  • Your Vehicle Type - Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered to be more aggressive machines, and will cost more to cover as a direct result.
  • Own and Insure More Than One - There is often the option to receive a discount if you insure more than one specialty vehicle on your policy.

Good Coverage. Great Times

Specialty vehicle insurance is unique to each person, but the following is a brief overview of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

  • Collision coverage pays for covered damage to your vehicle if it is in a collision.
  • Property damage liability coverage insures you against certain damages caused to  property and assets while operating your vehicle. This coverage may also provide you with a legal defense if another party files a lawsuit against you.
  • Bodily injury liability coverage insures you against certain litigation if you injure or kill someone while riding your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
  • Comprehensive physical damage coverage pays for covered losses resulting from incidents other than collision - like fire, theft, or vandalism, which are genrally outside of your control.

Let's make sure you’re covered when you're conquering the outdoors.

Talk to us today to find out how to get thevalue on the Phoenix motorsports insurance that’s right for you.

Our office is conveniently located at:


5425 E Bell Road Suite 103
Scottsdale, Arizona 85254

Summit Insurance Brokers has been providing Arizona off road vehicle insurance for many years, and the expert agents in our Phoenix AZ insurance office take pride in servicing the off road vehicle insurance needs of Phoenix, Scottsdale, Mesa and Paradise Valley. Live outside of Arizona? We've expanded our off road vehicle insurance offerings to California and Maryland.

Start saving today Get an Off Road Vehicle quote

We know how to find discounts on off road vehicle insurance you may not find on your own. Give us a call or send us a message today.

Scottsdale Off Road Vehicle insurance

Our Insurance Companies


866-711-5973 (fax)

Our location:

Scottsdale office

5425 E Bell Road Suite 103
Scottsdale, Arizona 85254

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