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We Have You
Covered Even Off
the Beaten Path

Get a Quote


We Have You
Covered Even Off
the Beaten Path

Get a Quote


Calgary ATV Insurance. Your Best Option for Adventure

Calgary is a great place to live, especially when you go off road with your ATV. There are many fantastic trails that let your inner wild child come out, while giving your adult-self amazing views. As an adventure seeker, you know how important it is to have your ATV ready at the drop of a hat. Never let a hiccup stop you from exploring the city off the beaten path. We’ll find you the right coverage so you can explore the road less traveled.

Before you hit the trails, contact us. Our award-winning brokers will make sure you’re properly covered. You can even customize your ATV insurance coverage based on what you want.

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Get a Fast ATV Insurance Quote in Calgary

As an ATV driver in Calgary, there are responsibilities that come with owning and driving an ATV. Due to the relatively high cost of an ATV (the average price ranges between $3,000 and $15,000, at an average of $7,000,) a solid insurance policy is something to consider before your next adventure.

Although only basic ATV insurance is mandatory in Calgary, you may want to include some optional coverage options if you use your ATV on public roads. See below for additional insurance options.

Top 5 ATV Safety Tips

At Sharp Insurance, we value your safety. It’s about more than just protecting your investment — it’s about protecting you. ATV insurance in Calgary might be able to help pay your repair costs, but it can’t heal a broken arm or restore you back to a pre-concussion state.

In Canada, there are approximately 100 ATV-related deaths each year. ATVs are fun vehicles, but an accident can change your life forever.

Top 5 Safety Tips:

  1. Invest in some nerf bars for your ATV. They are huge foot pegs that will allow you to stabilize your feet for maximum control.
  2. Wear your safety gear. Helmets, goggles, boots — the works. Flipping over is a lot easier than you think!
  3. Inspect your fluids, lug nuts, tire pressure, etc. No one likes to be stranded.
  4. Back to basics — ride on designated trails only, one to a vehicle and save the alcohol for when you’re done.
  5. Tell someone where you’re going and when you’ll be back. Always go with another rider.

We Have You Covered

Focus on the adventure ahead knowing we have you covered. ATV insurance includes coverage for collision, theft, vandalism, and liability for third-party damages and injuries. Insure your ATV on a stand-alone policy, or as an addition to your auto or home insurance policy.

As an independent award-winning insurance brokerage, Sharp Insurance is one of Canada’s fastest growing brokerages. This means that we can support our clients on a national level, all from our home office in Calgary, Alberta. We use our innovative tools to support our customer’s insurance journeys. For everyone’s unique situation, we offer an array of different insurance products — including our comprehensive ATV insurance in Calgary.

Talk to us today about whether it’s best to insure your ATV on a standalone policy, or as an addition to an existing policy.

What Mandatory Insurance Coverage Do I Need for My ATV?

Accident benefits

Covers you for medical expenses, treatment and rehabilitation after an accident. Accident benefits coverage may also include funeral expenses, death benefits and more.

Third-party liability

Designed to protect you from financial losses if you cause an accident or unintentionally injure someone or damage someone else’s property.

Direct Compensation - Property Damage

If you’re not at-fault in an accident, this type of insurance may cover you for damages to your ATV and its contents.

What are Optional ATV Insurance Coverages?

There are several optional coverage options if you decide your ATV needs protection against specified perils, collision and damages from fire and theft. See below for the common optional options.

Collision Insurance

Collision, or upset, insurance covers you financially if there are repair costs needed for your ATV from hitting another vehicle or an object, like a guardrail.

Comprehensive Insurance

This type of insurance covers you for costs associated with damage to your ATV from hail, fire, theft, vandalism and more.

All Perils

If you want an inclusive insurance policy that covers collision and comprehensive coverage in one package, all perils will cover you for all perils stated in your insurance policy.

What Factors Determine Your ATV Insurance Rate in Calgary?

ATV insurance in Calgary can range between $40 to $200 a month. Whether you enjoy taking your ATV out to the back fields on a smooth, groomed acreage or you opt for steeper hills with rocks and mud — ensure you have the protection you need.

Your ATV insurance rate will depend on a variety of factors, including:

  • The value and condition of your all-terrain vehicle
  • The model and make of your all-terrain vehicle
  • Where and how often you use your ATV
  • Your insurance history
  • Your driving record
  • Coverage options and limits

How Do I Lower my ATV Insurance Rate in Calgary?

There are a few ways you can lower your ATV insurance premium. Here are a few tips from Sharp’s ATV insurance brokers in Calgary:

  • Raise your deductible. The higher your deductible, the lower your insurance premium.
  • Shop around and compare ATV quotes with a Sharp broker.
  • Choose an ATV with a high safety rating.
  • Ask about eligible discounts.
  • Bundle your ATV insurance with other insurance policies, like home and auto.
  • Review coverage annually to see if your situation still calls for the level of coverage you have now.
  • Try to avoid making claims for small chips and dents. Being claims-free can save you significantly on your insurance rate.

One of the best ways to save on your ATV insurance in Calgary is to work with an insurance broker from Sharp Insurance. We’ll advise you on the best premium and coverage options for you.

How Do I Get a Free ATV Insurance Quote in Calgary?

Simple. Just click the Get a Quote button and sign-up to get a free ATV insurance quote in Calgary. We pride ourselves on offering fast, efficient service so that you can get insurance coverage quickly.

Sharp Insurance believes in modernized insurance solutions, and part of that belief comes with our offering of innovative insurance solutions. If you have any questions about your quote or what coverage options we have, contact one of our experienced brokers today.

What Types of Off-Roading Vehicles do we Insure?

We insure a variety of off-roading vehicles, some of which include:

  • Snow Mobiles
  • Dirt Bikes
  • Can-Am Spiders

You can save money by bundling your ATV insurance with your home and auto policies. Speak to one of our award-winning brokers to find out your options. We have access to multiple insurance markets that help us find you excellent value and tailored coverage.

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FAQs: Calgary ATV Insurance

See our frequently asked questions about ATV insurance below.

The type of ATV insurance you require will depend on what you use your ATV for and how often, among other factors. If your ATV is not driven on public roads, you can carry liability coverage under a standalone or all-inclusive policy. You can also add your ATV to your vehicle insurance policy, especially if you drive it on public roadways. You will need to have vehicle insurance for any motor vehicle driven on public roads.

An ATV insurance broker can help you decide which option is best for your circumstances. If you submit a claim for your ATV and it’s insured under another policy (i.e., auto policy), this may directly affect your auto insurance rate.

Technically, no you can’t drive your ATV on public roads in Calgary, unless the road is designated for all-terrain vehicles or you’re on private property. However, municipalities and provinces have their own rules for access to public roads. Always contact your insurance broker or your insurer if you’re not sure what’s allowed in the city and province that you’re in.

Additional accessories or modifications can be added to your insurance policy, permitting that you have the right documentation. Some aftermarket modifications may not be insured, so be sure to consult with your insurance broker.

Yes. ATV insurance coverage is valid in Canada and the U.S. However, your coverage may be limited based on the duration you’re away from home. For this reason, make sure to ask your insurance broker about your specific travel plans before you leave Calgary.

No. Your deductible will be waived if your ATV is stolen. Your deductible is the amount of risk you assume when you purchase insurance.

Get Coverage Before Your
Next Off-Roading Adventure.





Get a Quote

Get Coverage Before Your
Next Off-Roading Adventure.





Get a Quote