ATV Insurance Requirements for Operating on Public Lands in Utah

Do You Need Insurance for Public Lands?

If you operate your ATV on public roads or certain public lands in Utah, liability insurance is required. Utah law mandates minimum liability coverage for OHVs on public roads, similar to automobile requirements.

Utah Minimum Requirements

• $25,000 bodily injury per person
• $65,000 bodily injury per occurrence
• $15,000 property damage per occurrence

BLM and Forest Service Lands

Federal lands do not always require insurance for trail riding, but if you cause damage to another person or their property, you are still financially responsible. Liability insurance is a wise investment even where not strictly required.

State Parks and Recreation Areas

Utah state OHV parks generally require vehicle registration. While insurance is not always mandated for off-road-only use, registration requirements and accident risk make insurance highly recommended.

Penalties for Riding Uninsured

Operating an uninsured ATV on public roads can result in fines, registration suspension, and full personal liability for any damages. The financial consequences far exceed the cost of a policy.

Protect Yourself Before You Ride

Whether exploring Moab, Sand Hollow, or the Uinta Mountains, proper insurance protects you and the places you ride.