ATV & Off Road Vehicle Insurance

ATV and Off‑Road Vehicle Insurance in Delaware, Maryland & Pennsylvania

Ready to hit the trails across DE, MD, or PA? At Downes Insurance, our specialty is helping off-road vehicle enthusiasts—like ATV, UTV, dirt bike, or side-by-side owners—get the coverage they need, without the confusion or cost. Our customizable policies protect your ride, your gear, and your liability, with exclusive multi-policy savings when bundling.

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Why You Need Dedicated ATV & ORV Insurance

• Home or auto policies don’t cut it—standard coverage usually excludes off-road vehicles

• Specific risks, specialized coverage—we provide collision, comprehensive (weather, theft), bodily injury and property damage protection, plus medical payments

• Compliance matters—many parks, trails, and finance agreements require your ORV to have proper liability coverage

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Coverage Options Tailored to You

Liability (bodily injury + property damage)
Collision & Comprehensive (crashes, vandalism, theft, weather events)
Medical Payments (injuries to you or passengers)
Uninsured/Underinsured Motorist protection
Equipment & Attachments coverage (trailers, gear, accessories) 

Plus: Discounts for completing safety courses and multi-policy bundling (e.g., home, auto, ATV/UTV) 

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Serving Riders Across Three States

From sandy dunes in Delaware to Appalachian trails in Pennsylvania, and wooded backroads in Maryland—Downes Insurance has you covered in:

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• Delaware: Dover, Wilmington, Smyrna, Rehoboth Beach, Milford

• Maryland: Kent Island, Annapolis, Easton, Centreville, Chester

• Pennsylvania: Lancaster, Kennett Square, West Chester, Chester County

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Bundle, Ride, and Save

Already have home or auto insurance with us? Add your off‑road vehicle for multi-policy discounts of up to 25%. More policies = more savings.

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Get Your Free ATV or Off‑Road Vehicle Insurance Quote

Protect your ride in minutes—no call centers, no hassle:

1. Fill out one quick form

2. We shop leading insurers for the best coverage and pricing

3. You receive clear, personalized quote options

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Get a Fast Free ATV & Off‑Road Vehicle Quote Now

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Why Choose Downes Insurance?

• ✅ Independent agency working across Delaware, Maryland & Pennsylvania

• ✅ Customized ORV policies tailored to your ride and usage

• ✅ Competitive rates from top carriers

• ✅ Local expertise—down-the-road service and support

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