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ATV Insurance in Naples, FL
All-terrain policies that go wherever you do.

ATV Insurance: More Than Just an Add-On

ATV (All-terrain Vehicle) and UTV (Utility Terrain Vehicle) safety goes well beyond driving styles and protective equipment for your three wheelers, four wheelers, or quad bikes. If you’re not incorporating specialty ATV/UTV insurance into your coverage, you may be exposing yourself to more risks than you know, both to yourself and your ride.

All the Thrill at a Fraction of the Price

Whether on your property, a friend’s, or on state trails, your protection against collisions, injuries, damages, or theft may not be fully covered by discounted policies that focus more on price than benefits. And even with homeowners’ or auto insurance, these policies may have large gaps in them that won’t fully cover you or your equipment in specific cases.

No matter your budget, we guarantee that our recommendations leverage every discount in order to get you the best market rates and deals. By evaluating and comparing different ATV/UTV insurance offers, we’re certain we can find the right plan to keep you -responsibly- soaring over obstacles time and time again.

ATV Insurance Done Your Way

We offer personalized care that goes beyond the numbers.


Where and how you plan to ride can help determine how much coverage you'll need:

Property Damage Liability

When an accident is your fault, this coverage pays for the damage caused to other people’s property. It can include other vehicles, houses, businesses, and smaller structures.

Bodily Injury Liability

When an accident is your fault, this coverage pays for the medical expenses, loss of income, or final expenses of the other drivers or passengers involved in the incident.

Personal Injury

This coverage helps to pay for medical, lost income, child care expenses, and even funeral expenses in the event of an accident-related injury or death.


This coverage helps with damages sustained to your ATV after a rollover or collision with another vehicle or object, such as trees or rocks. May be required if you lease or finance your ATV.


This coverage reimburses policy holders for losses sustained from natural disasters or weather events, vandalism, theft, or other accidents other than a crash with another motorist. ATV parts and custom equipment may also be covered.

Underinsured/Uninsured Motorist

This coverage property pays for losses and costs that other drivers don’t have enough insurance to pay in full.

Original Equipment (OEM)

This coverage makes sure that your ATV is repaired with the original manufacturer’s parts, if possible.

Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

The Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.



Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

Do I need insurance while my ATV is not in use?
Yes. We recommend that you don’t suspend your coverage at any time to protect your all-terrain vehicle from other hazards while it’s stored, such as fire or weather damage.
How are my premiums calculated?
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Minimum Requirements for Car Insurance  in Florida
Your premium costs are calculated based on multiple criteria such as your driving record, credit history, age, ATV type and it’s top speed, the expected frequency of use, and the types of places in which it will be utilized.
Is ATV insurance a requirement?
While not all states require ATV insurance, they do demand some degree of coverage if the vehicle is driven on public land, such as in state or public parks.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P

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