ATV Insurance in Martinsburg, WV – Quad State Insurance

Explore the Outdoors with ATV Insurance in Martinsburg, Kingwood & Morgantown, WV

Your ATV is more than just a vehicle — it’s your ticket to adventure, work, and freedom. At Quad State Insurance Agency, we provide customizable ATV insurance in Martinsburg, WV, as well as coverage for riders in Kingwood, Morgantown, and throughout West Virginia. Whether you ride recreationally or use your ATV for farm work, our local agents will find coverage that fits your needs and budget.

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Family poses next to an orange ATV, a Christmas tree in the back. Smiles, outdoor setting.

Why ATV Insurance Matters in West Virginia

ATVs and UTVs are a way of life in West Virginia, whether for work on farms or recreation on the trails. But with that freedom comes risk. ATV insurance in WV helps protect you financially if an accident, theft, or injury occurs. From the hills of Preston County to the backroads near Martinsburg and Morgantown, the right coverage ensures:


  • Medical expenses are covered if you or a passenger is injured.
  • Liability protection if you accidentally damage someone else’s property or cause injury.
  • Financial security if your ATV is stolen, vandalized, or damaged in an accident.
  • Peace of mind knowing you’re covered whether you ride for work or play.

Our customizable ATV insurance in Martinsburg, WV can include:

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Liability Coverage

Pays if you cause injury or property damage while riding your ATV.

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Collision Coverage

Covers repair or replacement costs if your ATV is damaged in an accident.

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Comprehensive Coverage

Protects against theft, vandalism, fire, storm damage, or falling objects.

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Medical Payments

Helps cover medical expenses for you and passengers after an accident.

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Uninsured/Underinsured Motorist Protection

Covers you if hit by an uninsured or underinsured driver while on your ATV.

What Does ATV Insurance Cover?

Who Needs ATV Insurance in West Virginia?

ATV insurance is essential for:


  • Recreational riders enjoying West Virginia’s trails and parks

  • Farmers and landowners using ATVs for daily work

  • Hunters and outdoorsmen traveling off-road in rural WV

  • Students and first-time riders needing affordable ATV coverage

  • Families with ATVs used for both work and play

From Martinsburg’s backroads to rugged trails near Kingwood and Morgantown, our agents know the risks ATV owners face — and how to protect against them.

Local Risks to Consider:
  • Off-road accidents on WV’s rugged trails and hunting lands.

  • ATV rollovers on steep, uneven terrain.

  • Collisions with deer and other wildlife.

  • Damage during farm or utility use in Preston and Berkeley Counties.

ATV Insurance FAQs – Martinsburg, WV

  • Is ATV insurance required in West Virginia?

    While not always required by law, ATV insurance is strongly recommended — and often required by lenders, state parks, or trail systems.

  • Can I bundle ATV insurance with auto or home insurance?

    Yes. Many riders save money by bundling ATV, auto, and home insurance in Martinsburg, WV.

  • Does ATV insurance cover accessories and gear?

    Yes. We offer add-on coverage for helmets, riding gear, winches, trailers, and custom modifications.

  • Do you insure UTVs, quads, and side-by-sides?

    Yes. We provide coverage for ATVs, UTVs, quads, and side-by-sides across West Virginia.

How We’re Different

Most insurance products are similar in price and function — but at Quad State, we go further. Our agents create personalized ATV insurance policies that fit how and where you ride.

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Independent Advantage – We shop multiple carriers for the best options.

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Local Knowledge – We know the riding conditions and risks unique to WV.

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Trusted Choice® Member  – Recognized for client-first service and integrity.

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Protect Your ATV with Confidence

Get the Right ATV Insurance in Martinsburg, WV Today

Protect your ATV and ride with confidence. Whether you’re using it for fun, farm work, or outdoor exploration, Quad State Insurance will help you compare ATV insurance quotes in Martinsburg, Kingwood, and across West Virginia.