800-320-7262

ATV Insurance

Explore the Trails With Confidence.

Your ATV is a considerable recreation investment. As you’re enjoying your ATV, the last thing you want to worry about is whether you have the right insurance coverage. A customized All-Terrain Vehicle insurance policy from Stearns Insurance Services Inc., lets you ride with confidence, knowing that you’re properly insured.

No matter what type of vehicle you have, a snowmobile, 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance that you want and the protection you deserve with specialized coverage options, including:

  • Collision coverage: damage to your ATV from rocks, trees, and other obstacles or debris
  • Accessory coverage
  • Transport Trailer coverage
  • Comprehensive coverage: extra security for loss or damage from theft, fire, or vandalism
  • Medical Payments
  • Rental Vehicle coverage
  • Property Damage: covers expenses to another person’s property for which you are liable
  • Uninsured/Underinsured Motorist coverage
  • Bodily Injury: pays medical expenses to others if you’re held liable in an accident
  • Trip Interruption
  • Uninsured Motorist: protects you from loss or damage caused by uninsured and underinsured riders
  • Total Loss coverage
  • Collision coverage

Stearns Insurance Services Inc. is dedicated to offering you the best possible coverage at a price you can afford.

 

We offer additional ATV coverage for damage to custom equipment that you may have added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you’ve successfully completed a rider safety course.

Discounts and coverage options can vary according to your location and specifications.

Contact one of our licensed insurance professionals to learn more about ATV insurance and building a recreational plan that best fits your needs.

Stearns Insurance Services St. Cloud

4191 2nd St South

P.O. Box 7489 St Cloud, MN 56301

Main office: 320-253-3525
Toll free: 800-320-7262
Fax: 320-650-1361

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Stearns Insurance Services Albany

140 5th St

P.O. Box 399 Albany, MN 56307

Main office: 320-281-1977
Toll free: 800-685-7262
Fax: 320-845-4988

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Stearns Insurance Services Holdingford

580 Main St

P.O. Box 207 Holdingford, MN 56340

Main office: 320-746-2938
Fax: 320-746-2263

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.