ATV Insurance

Protect Your Ride with Personal Service You Can Trust

Whether you’re cruising the trails of the Smoky Mountains or enjoying lakeside trails near Norris Lake, your ATV is more than a machine; it’s your ticket to fun and freedom. At Holt Insurance Agency, we safeguard your adventures with personalized ATV insurance that protects your investment and gives you peace of mind. Get coverage that fits your lifestyle with people-first service from a family-owned Tennessee agency since 1946.

What does ATV Insurance Cover?

  • Liability Protection

    Covers bodily injury and property damage to others if you’re at fault.

  • Collision & Comprehensive

    Pays to repair or replace your ATV if it’s damaged in an accident, theft, fire, or weather event.

  • Medical Payments

    Helps cover medical bills for you or your passengers after a crash.

  • Uninsured/Underinsured Motorist

    Protects you if another driver causes damage and lacks proper insurance.

  • Equipment/Add‑Ons Coverage

    For racks, winches, snowplows, or upgrades.

  • Roadside Assistance / Towing

    Handy when you get stuck or need help in the middle of nowhere.

Why Choose Holt Insurance for Your ATV

Generations of Trust in Tennessee

Serving Tennessee families since 1946, our multi-generational legacy means stability, reliability, and deep local knowledge from Downtown Nashville to the countryside of Leiper’s Fork.

People, Not Policies

We build relationships, not transactions. You’ll talk to a real person who knows your name, your family, and what matters to your lifestyle.

Comprehensive Protection Made Simple

Bundle ATV coverage with your home, auto, or boat for easy billing, unified service, and potential discounts! Ideal for families with lake houses or multiple vehicles.

Freedom to Focus on Fun

Spend time riding; not worrying. Our tailored coverage and responsive support keep your mind on the trails, not paperwork.

How ATV Insurance Works: A Quick Overview

1. Reach out for a quote

We assess your ATV type, usage, modifications, and driving habits.

2. Review personalized options

Choose coverage levels, deductibles, and add-ons that fit your needs.

3. Ride with peace of mind

Enjoy confident coverage; claims handled by caring pros who know you.

  • No state law mandates ATV insurance but it’s strongly recommended. ATV accidents can leave you financially responsible for injuries or damage.

  • Absolutely, many policies cover private-property use. We’ll help tailor your policy based on where and how often you ride.

  • Standard coverage may not include upgrades or add-ons. Accessory protection ensures your custom racks, plows, or wraps are protected.

FAQs About ATV Insurance

  • Yes! Bundling coverages with Holt often leads to multi-policy discounts, streamlined service, and single billing.

  • Just call or email us, we walk you through each step, handle documentation, and advocate for you. That’s what “People, Not Policies” means.

  • Usually within 24 hours. Tell us about your new ride, and we’ll set it up fast so you can hit the trails safely.

Bundle & Save: Get a Quote Today from Holt Insurance Agency

Brick building with "Holt Insurance Agency" sign, surrounded by trees and shrubs.

Did you know you can often save hundreds of dollars by bundling your policies? Many insurers offer multi-policy discounts when you combine:

At Holt Insurance Agency, we specialize in finding affordable solutions that don’t sacrifice coverage. Let’s explore how much you could save with a bundled quote tailored to Tennessee residents.

👉 Request Your Free Quote from Holt Insurance Agency

Protect your adventures and your wallet!

Ready to Ride with Confidence?

Your ATV deserves protection and so do you. Reach out to Holt Insurance Agency today for a free, personalized ATV insurance quote. Let us keep your adventures safe, so you can fully enjoy the ride. At Holt, we’re here for your family and your ride.