ATVs and UTVs are different vehicles.

They serve different purposes, and

have different insurance needs.

What is an ATV?

At its simplest, an all-terrain vehicle (ATV) is defined as a vehicle with the

following: a straddle seating position, handlebar steering, and the ability to
maneuver through a variety of terrain conditions. While there are a variety of
ATV customizations and modifications available, at their base all ATVs share
those three features.

Wheels and Tires

ATVs have either three or four wheels. Tires are kept at a lower pressure than
standard car or UTV tires.

Steering
The operator can steer the ATV by using handlebars.

Seating and passenger capacity

On an ATV, the operator is seated in a straddle position. ATVs are normally
built for just one rider, some are made to carry the operator and one
passenger.

Speed and handling

ATVs are not “one-size-fits-all” and should be sized appropriately for the
operator.
When operated safely and correctly, ATVs offer a quick and nimble means of
transportation over a variety of terrain.

Braking and acceleration

The majority of stock ATVs come with a thumb throttle. Pressing the throttle
with the thumb controls acceleration. It is possible to modify an ATV to use a
twist throttle, which allows the operator to control the vehicle’s acceleration by
twisting the ATV’s handle.

Given the unpredictable nature of the terrain ATVs cover, twist throttles can
make it difficult and dangerous to control the vehicle. For example, if a rider
leans forward and unknowingly twists the throttle while going downhill, the
vehicle may unexpectedly pick up speed. This can easily cause the rider to be
thrown forward off of the vehicle, and the vehicle may roll and fall on the rider.

To brake, operators can use either the brake handle or the foot pedal,
depending on what type of ATV they are operating.

Safety equipment
ATVs often do not come with safety equipment as part of the vehicle. Some
do have “roll bars”—strong steel pipes that form a cage-like structure around
the operator to provide protection if the vehicle rolls.

ATV operators should strongly consider wearing protective clothing, boots,

and gloves—and should always wear a helmet.

Cabin
ATVs are open and do not have a cabin. However, as mentioned above, some
do have roll bars.

Uses
As a quick means of transportation over rough ground, ATVs are a valuable
tool. However, they are mainly used for recreation, like racing or trail riding.

Cost
Compared to UTVs, an ATV is a much more budget friendly option. When
planning their purchase, potential buyers should make sure to account for the
additional costs of safety gear and insurance.

ATV insurance needs

While ATVs can be used safely, accidents happen. And when they do, being
on the back of a powerful vehicle without seatbelts isn’t the safest place to be.
That’s why you should always make sure you’re properly protected—first with
gear, and then with insurance.

Medical coverage is an important option to consider for ATVs, which lack

many of the safety features of UTVs. Nationwide offers this and other ATV
insurance options.

What is a UTV?

Utility Terrain Vehicles, or UTVs, are built and used more for work than
recreation. They are large, powerful, able to seat passengers side by side,
and built with lots of storage space. They’re commonly used to haul
equipment and supplies in locations that make using a truck impractical or
impossible.

Wheels and Tires

Like a car, UTVs have a standard wheel base (four wheels). However, they
can have more wheels for specialized purposes.

Steering
Again, the UTV handles more like a car than an ATV, and is steered via a
steering wheel.

Seating and passenger capacity

Normally, between two and four passengers can ride safely in a UTV.
Passengers sit side by side, which has earned the vehicle the nickname
“side-by-side”. You may also see the UTV referred to as a SxS, again
referencing the seating arrangement.

Speed and handling

UTVs are faster and more powerful than ATVs, but not as nimble. Their max
speed is generally between 25 mph and 50 mph.

Braking and acceleration

Both braking and acceleration on a UTV are controlled by foot pedals.

Safety equipment
With occupant restraints (seatbelts) considered standard, and the option to
add a windshield and roll bars, UTVs tend to have more safety features than
ATVs do.

Cabin
It’s not unusual for UTVs to have a cabin. Oftentimes it’s similar to the roof on
a golf cart, but fully enclosed cabins are available.

Uses
UTVs have a lot of storage space. Most known for hauling feed, hay, and
supplies on farms, they are becoming more popular within non-agricultural
communities. They’re not uncommon at schools, where they’re used to
transport water jugs, sports equipment and occasionally, athletes.

The many available modifications for UTVs are making the vehicle a popular
choice for transporting equipment in many industries.

Cost
The customizability and versatility that make a UTV appealing comes at a
price. UTVs tend to be more expensive than ATVs, especially after they’ve
been modified.

UTV insurance needs

UTVs are covered by ATV polices, but like the vehicle itself, the policy often
needs to be adjusted to do exactly what it’s supposed to. Since UTVs are
often modified in order to perform a certain job, adequate comprehensive
insurance that covers damage to the vehicle and its modifications can be a
valuable tool to quickly return a UTV to proper working order. Nationwide
agents are happy to discuss UTV insurance options that best set you and your
vehicle up for success.