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

When it comes to off-road adventures, two types of vehicles are used the most, ATVs (All-Terrain Vehicles) and UTVs (Utility Terrain Vehicles).


An ATV, or All-Terrain Vehicle, is a type of off-road vehicle designed for one rider, while the UTV are larger and can carry more passengers and cargo. UTV’s are also known as a side-by-side.



The biggest differences between the ATV and UTV lie in their design, use, and safety features. While an ATV is designed for one rider and is controlled using handlebars, a UTV is designed to carry more passengers and is operated using a steering wheel.

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 choose the policy coverage that fits how and where you ride.

Quads, Side-By-Sides, Utility and Sports Models

We can cover your ATVs, UTVs utility, sports models, dune buggies, and more. If you are on the trails, use your side by side on the farm, or ride around in a town, we can help cover your machine and accessories.

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Liability, Damage, Theft, and Accessories

Liability is for injuries or property damage you cause. Collision is for rollovers and impacts. Comprehensive is for theft, fire, vandalism, and storage risks. There is Optional Coverage for medical payments and guest passenger liability.

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Match Coverage to Where You Ride

Some 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 ride.

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Answers for ND Riders

  • Is insurance required for ATVs, and UTVs, etc required?

    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 a homeowners or farmowners policy cover my ATV?

    Policies exclude motor vehicles off-premises; if you drive off your premises there is no coverage.

  • 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 machine.