We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable ATV insurance coverage tailored to you with Brokerlink.
Whether you're tearing down trails near Bruderheim, hauling your off-road vehicle to Cooking Lake for the weekend, or heading out of province for adventures beyond Alberta's borders, having Alberta ATV insurance is essential. Edmonton ATV owners face numerous risks while on and off the trails, from theft and vandalism to ATV accidents that cause severe bodily injuries. That's where a customized ATV insurance policy comes in. And with the help of the experienced team at BrokerLink, you can get the right coverage for the right price. Get a free Edmonton ATV insurance quote with BrokerLink today.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
ATV insurance, also known as recreational vehicle insurance, is a type of customized insurance plan specifically designed to protect quads, side-by-sides, and utility task vehicles. While this coverage is completely customizable, ATV owners operating their quads on public property are required to purchase a minimum of $200,000 in liability insurance. Beyond this, you'll typically find the following protections:
Under Alberta’s Traffic Safety Act rules for motorized recreation, off-highway vehicles used for off-road travel on public land and designated trails must have valid insurance and registration, and be able to produce proof of insurance if requested. Riding without insurance can lead to penalties such as fines, possible licence consequences, and being personally responsible for costs if a collision or injury happens.
For riders in the greater Edmonton area, the risks are not limited to trail mishaps. Many people access riding areas via rural routes through places like Stony Plain or Spruce Grove, where collisions can happen while loading, towing, or crossing roads, and theft is a real concern for ATVs stored in garages, driveways, barns, or open properties. Severe Alberta weather can also cause expensive damage, including hail, falling trees, and flooding. And if you injure someone or damage property while riding, liability claims can escalate quickly; between 2016 and 2020, Alberta saw 64 deaths from ATV-related injuries (reported in a summary citing Alberta Health Services), which highlights how serious off-road incidents can become.
If you're thinking about buying an ATV, in Edmonton, Alberta, all off-road vehicles, including ATVs, must carry the following mandatory coverage if they are operating in public areas:
Third-party liability coverage
Accident benefits insurance
Uninsured motorist insurance
Direct compensation - property damage
Comprehensive coverage
Collision coverage
Accessory insurance
Trailer insurance coverage
Loss of use coverage
Seasonal lay-up insurance
Third-party liability insurance comes in handy if you cause bodily injuries or property damage to a third party when riding your ATV. For example, if you take a blind turn and hit an oncoming ATV travelling in the opposite direction, damaging their quad and injuring them, third-party liability will cover the cost of medical expenses, repairs, replacements, legal fees, and other settlement costs. A minimum of $200,000 in coverage is legally required, but more owners opt for higher limits.
Accident benefits, also known as personal injury protection, provide financial protection in the event you or your passengers are injured in an ATV accident, regardless of who is at fault. Should you be injured, this policy will cover the cost of medical and rehabilitation expenses, income replacement, and more.
Uninsured motorist insurance will pay to repair or replace your ATV if you are hit by an uninsured or unidentified motorist. For example, if your quad is parked on the side of your cabin at Pigeon Lake and someone in the area damages it and doesn't leave their information, this policy ensures you're not responsible for any out-of-pocket expenses that may arise.
Direct compensation - property damage is also included in your standard off-road insurance plan. This policy ensures you'll be compensated for repairs or replacements of your ATV by your own insurance company if you are hit by an at-fault motorist.
Your comprehensive insurance policy will kick in if your recreational vehicle is damaged due to a non-collision event such as theft, vandalism, fire, or severe weather damage. For example, if your recreation vehicle is parked in your driveway uncovered and a hail storm dents your ATV, your insurance company will cover your repair costs. Again, you'll only be responsible for paying your deductible.
Collision coverage will pay for the costs of replacing or repairing damage caused by at-fault crashes with your ATV. This means that if your ATV collides with another quad, rolls over, flips, or hits an uprooted tree branch or large rock while you're out on Redwater, located northeast of Edmonton, your collision coverage ensures the only out-of-pocket expenses you pay are your deductible.
Accessories like GPS trackers, LED lights, upgraded tires, a sound system, and winches can be expensive to replace, especially if you don't have accessory insurance. With this policy in place, your aftermarket add-ons and items will be compensated in the event of a loss or damage.
Trailer insurance covers any damage or loss to your trailer and ATV while it is attached and being hauled from one place to another. For example, if you're driving along Highway 2 and another vehicle hits your trailer, damaging the trailer and your ATV, this policy will cover your repair costs.
Loss of use insurance will pay for the cost of a rental off-road vehicle if the ATV you are riding needs repairs as a result of an insured loss. This insurance coverage is especially beneficial if you use your ATV for commercial purposes, such as guided ATV tours outside of Edmonton or jobs around your private property.
Seasonal lay-up insurance allows you to drop your liability insurance during the winter while maintaining your comprehensive coverage while your ATV is stored. With this insurance endorsement in place, your ATV will remain protected against things like theft, vandalism, weather damage, and fires, while saving money on your insurance premiums.
Let us be your resource for all things ATV insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
10701+ Reviews
Average rating of 4.6
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Fast, efficient, knowledgeable service. Helpful staff.
If you need a broker, this is the best place to deal with! Amazing staff!!
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Lovely service, great communication and very helpful!!
Great people! Always friendly and knowledgeable and ready to help!
The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
Excellent service, rates and customer service. Highly recommended.
Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
ATV insurance is a necessary expense if you plan on using your ATV on public property. But that doesn't mean you can't save money on your premiums without cutting back on your coverage. Here are some practical tips and tricks you can use when buying ATV insurance in Edmonton:
Bundle your auto insurance, snowmobile insurance, coverage for your commercial vehicles, and your ATV insurance policy with the same insurance company to save up to 15% on your premiums.
Between 2021 and 2023, auto theft claim costs rose by 55% across Alberta, with a 65% increase in Edmonton during this time, according to the Insurance Bureau of Canada. By adding anti-theft gear on your quad, like a security system, GPS device, wheel locks, and keeping your ATV inside, you can lower the total risk profile and make your off-road vehicle less likely to be stolen. In exchange, most insurance companies will provide you with a rate reduction of up to 5%.
Most insurance companies offer discounts to those who have remained loyal to them over the years and those who have never filed a claim. You may also be able to get a discount for being a part of a recognized ATV club. So, the next time you renew your insurance, make sure to ask whether there are any savings you are eligible for.
A deductible is the amount of money you give to your provider when submitting a claim, before your policy will cover the remaining expenses. By raising your deductible from $500 to $1000 or more, for example, you can lower your insurance rates slightly. But remember, this does mean that you will be responsible for a higher out-of-pocket expense if a claim arises.
Insurance companies frequently charge an extra fee if you want to pay for your ATV insurance on a monthly basis rather than a single payment. This is because it costs your provider money to process each of your payments (labour and administrative). Therefore, a simple way to reduce your premiums is by paying for your ATV insurance in Edmonton in one go instead.
The National Institutes of Health (NIH) reveals that people who attended an ATV safety course were significantly less inclined to take part in dangerous behaviours and be involved in an accident than those who did not. As a result, some providers will give savings to those who attend a recognized safety course. Courses in Edmonton are available through the Alberta Safety Council, Edmonton Safety Supplies, and other businesses.
Insurance brokers work separately from actual insurance providers. This means that they can shop around with different companies, compare rates, and help you find the right insurance based on your needs and riding lifestyle. The best part of all is that brokers are compensated directly by the insurance companies they work with, so you can access their services at any time, for free.
Your ATV insurance costs depend on numerous factors that make up your overall risk profile. Similar to standard vehicle insurance, the higher your risk profile is, the more you can anticipate paying for your coverage. In contrast, the less risk you are to insure, the more you'll save on your premiums. Those in Edmonton pay on average between $300 a year and upwards of $1,000 or more, depending on their risk level. Common factors insurance companies will look at include:
The kind of quad you ride has one of the biggest impacts on your costs. For example, recreational quads, youth quads, and those used for basic trail riding will typically cost less to insure, given that they do not pose as high a risk of accidents as high-performance quads and side-by-side models.
Engine size also matters. Larger engines like those above 700cc have higher replacement costs, which translates into more expensive premiums compared to engines with 400cc power or lower. For example, a 2025 Polaris RZR will cost more than a Honda Rancher, given that they can travel faster and have more sophisticated features that will cost more to replace in the event of an accident.
Your personal driving record and off-road experience are other main factors insurance companies care about. Riders with clean driving records and no prior ATV accidents will enjoy the benefit of lower rates, while those who are younger and newer to riding can anticipate higher rates, and those with numerous tickets/accidents on their record.
Insurance providers will also look at where you store your ATV throughout the year, especially during the off-season. There were 5,000 vehicle thefts reported in Edmonton in 2024, according to the Edmonton Police Service. So, if you keep your ATV in a locked garage, rather than on an exposed trailer, you can reduce your risk exposure and lower your insurance premiums.
The frequency of your ATV use and the location where you ride it also play a major role in determining your insurance rates. Casual weekend riders who stick to recreational, groomed trails around Cooking Lake–Blackfoot Provincial Recreation Area usually pay less than those using their ATVs daily for work or to commute.
Why? Heavy ATV usage increases the rate of wear and tear and makes riders more exposed to potential accidents, which will hike up rates. Additionally, riders in Edmonton who travel across the border or who frequent rough terrain can also experience more expensive risks, again, due to their increased risk exposure.
Where you have your ATV registered also matters. Owning and operating an ATV in Edmonton may cost less to insure compared to one that's kept outside the downtown core, as quads kept on rural properties are at a higher risk of theft. That said, insurance companies will also consider claim and accident rates in your area when calculating your rates.
A history of past ATV, motorcycle, and vehicle claims can significantly impact your premiums. Frequent, high-value claims indicate to insurance companies that you are at a greater risk of filing another claim in the future, whereas those without previous claims are less of a risk. Ultimately, keeping a clean insurance record will help you maintain your eligibility for safe rider discounts over time.
Lastly, the types of coverage you choose, and your coverage, also impact costs. Those who purchase basic coverage will receive the lowest rates, but the financial protection they receive will be minimal. On the other hand, if you purchase additional insurance and higher coverage limits you'll to protect your all-terrain vehicle, you'll need to pay more for your insurance. But the amount of financial assistance you have if you need to file a claim will be greater.
Do you have more questions about ATV insurance? Here is some additional information we think you should know:
In Alberta, all ATV riders under the age of 14 must be directly supervised by an adult if they are operating a quad in public. Additionally, insurance is still required for youth-operated quads if they are operated beyond private property. Many insurance companies will offer coverage to youth riders, where they can be added to their parents' policy, as long as they meet age and safety requirements, like wearing a CSA-approved helmet.
If you're financing your ATV through a dealership or private lender, you'll likely need to purchase collision and comprehensive insurance as a requirement of your loan agreement until your loan has been fully paid off.
Whether you're using your ATV to conduct work or enjoy a casual ride on the weekends, with the right insurance in place, you can protect your investment and peace of mind.
At BrokerLink, we have years of experience partnering with ATV owners across Canada. With access to some of the top insurance companies across the country, our brokers can help you shop around, compare insurance quotes, and answer any questions or concerns you may have. We'll help you avoid common mistakes when buying insurance, and in the end, you'll get a plan that fits your lifestyle and budget.
Ride with confidence and let BrokerLink handle the rest. Get your free ATV insurance quote in Edmonton by using our online quote tool or contacting us directly over the phone for more information.
Visit a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
About us
Yes, ATV insurance is legally mandatory in Edmonton, Alberta, under the province's Traffic Safety Act. According to this law, you must carry third-party liability coverage when operating your ATV on public land, trails, roads, or crown property. The minimal requirement for liability coverage is $200,000, but more responsible quad owners opt for higher limits and additional coverage.
Generally speaking, no. Even if your ATV is stored in your garage or on your property, home insurance usually excludes coverage for vehicles. This means that if your ATV is stolen, vandalized, or damaged by a fire, high winds, or hail, your policy won't cover you unless you have a separate plan in place, commonly known as comprehensive coverage.
It depends on your policy. You may be able to add occasional guest drivers to your insurance policy, meaning that as long as they have a valid driver's license, they can operate your ATV. In other cases, your friends won't be covered, and you could be held responsible if they damage someone's property or cause third-party bodily injuries. Always confirm with your insurance broker whether occasional riders are included in your plan.
No. Auto insurance or motorcycle insurance in Alberta only covers vehicles designed for on-road use. Because ATVs are classified as "off-highway vehicles," they require separate insurance.
Absolutely! Edmonton riders who only use their ATVs during the summer months often add seasonal lay-up coverage to their place. This endorsement will reduce your premium during the wintertime by suspending your liability insurance while maintaining your comprehensive coverage. This means that while your ATV is stored, it will still have coverage against theft, vandalism, fire, high winds, falling/flying objects, and other severe weather damage.
Standard ATV insurance in Edmonton does not automatically cover damage that occurs while your ATV is being towed or transported on a trailer. For protection, you will need to purchase trailer insurance through a private insurance company.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Car Insurance
Home Insurance
RV Insurance
Apartment & Tenant Insurance
Condo Insurance
Motorcycle Insurance
Boat Insurance
Insurance bundle
Pet Insurance
Life Insurance
Travel Insurance
