Protection for the Adventures Ahead

Montana is made for outdoor adventure—and whether you're cruising through backcountry trails, carving fresh snow, or zipping across the golf course, the last thing you should worry about is whether you're properly insured.

At Summit Insurance, we offer coverage options tailored to your off-road lifestyle. Our team will help protect your recreational vehicles, so you can focus on the fun—not the “what ifs.”

Is Your Off-Road Ride Properly Insured?

Many off-road vehicles aren’t automatically covered by your standard auto or homeowners policies—especially once you venture off your property. In fact, insurance is often required for use in state and federal lands or public recreation areas.

Talk with us about custom coverage for:

• ATVs (All-Terrain Vehicles)
• Dirt Bikes
• Snowmobiles
• Golf Carts
• Dune Buggies
• Side-by-Sides & UTVs
• Other powersports and motorsports vehicles

Tips to Keep Insurance Costs Down

There are several ways to manage the cost of insuring your off-road vehicle:

• Ride Responsibly – A clean driving and claims history can lead to lower rates.
• Consider the Model – High-performance or sport-tuned vehicles usually cost more to insure.  A good rule of thumb is that the more expensive the toy, the more it costs to cover it.
• Bundle Your Coverage – Insuring multiple recreational vehicles can qualify you for multi-policy discounts.

Common Coverage Options

Every rider and every machine is different, which is why we help you build a policy that fits your specific needs. Here are a few coverage types commonly included in off-road vehicle insurance:

• Collision Coverage – Covers damage from crashes with other vehicles or objects.
• Comprehensive Coverage – Helps pay for non-collision losses like fire, theft, or vandalism.
• Bodily Injury Liability – Covers injuries you cause to others while operating your vehicle, plus legal defense if needed.
• Property Damage Liability – Pays for damage to other people’s property and may also include legal defense.

Get Covered and Get Out There

You don’t ride like everyone else—so why settle for cookie-cutter coverage? Summit Insurance can help you build a customized off-road insurance policy that balances protection, value, and cost.

Let’s talk today to make sure you're protected on every ride—whether it’s through the forest, across the snow, or around the lake.

Get a Free Off Road Vehicle Insurance Quote