Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

ATV & UTV Insurance in North Dakota

Protection for Trails, Fields, and Hunting Trips

From side-by-sides on ranch roads to four-wheelers on public trails, accidents can happen anywhere. Bowerman Insurance Agency helps riders in Steele, Bismarck, and across central ND choose ATV insurance in North Dakota that fits how and where you ride-on the farm, in the pasture, or deep in the timber.

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Quads, Side-By-Sides, and Dirt Bikes

We cover ATVs, UTVs (Ranger, RZR, Pioneer), trail and dirt bikes, dune buggies, and more. If you trailer to Jamestown trails or ride near Lake Sakakawea, we'll align coverage with your machine and accessories.

Liability, Damage, Theft, and Accessories

Liability for injuries or property damage you cause. Collision for rollovers and impacts. Comprehensive for theft, fire, vandalism, and storage risks. Options for medical payments and guest passenger liability. Add coverage for winches, plows, light bars, and upgraded wheels.

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Match Coverage to Where You Ride

Some farm policies provide limited on-premises liability, but once you leave the property or ride public trails, a separate policy is often the smart move. Bowerman Insurance Agency will clarify gaps and make sure your off-road coverage follows the way you actually ride.

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Answers for ND Riders

  • Is insurance required for ATVs in ND?

    Not for private insured land use; but once off your insured premises, there is no liability coverage. It is strongly recommended to add this coverage onto your policy.

  • Does homeowners cover my ATV?

    Home policies typically exclude motor vehicles off-premises; dedicated coverage is best.

  • Can I adjust for winter?

    Yes, but only on certain insured items. Reach out to us, so we can discuss what works best for your life.