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If you already have insurance on a car or truck, check with your insurance company. I got a second policy on mine for my ds even though my insurance company doesn't really advertise that they insure quads, bikes, boats, etc. like some do. And since I have multiple policies with the truck and quad there is another discount for that, so my ds is fully insured for only $82 a year.
 

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mine is street legal and fully insured through progressive for 92 a year
 

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Another vote for Progressive. Went through my house and vehicles and that insurance was higher. Just do your research and you'll end up with the best price.
 

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I'm at 82 bucks a year with progressive, full coverage, 2k in aftermarket parts, full replacement value or something like that.
 

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Id be more worried about bodily harm coverage and property damage than replacement value. Getting $9000 back isn't as helpful as getting $50000 worth of hospital bills paid for.
 

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I don't think State Farm covers medical for the rider when insuring ATV's. The medical is for the other person if you hit someone. I have heard that for off road riding, you are going to get hurt. It is just a matter of time.
 

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I go through Country Companies
 

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Here is the summary of mine of anyone cares:

BODILY INJURY & PROPERTY DAMAGE LIABILITY
BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $25,000 EACH ACCIDENT

UNINSURED/UNDERINSURED MOTORIST
$50,000 EACH PERSON - $100,000 EACH ACCIDENT

COMPREHENSIVE $500 DEDUCTIBLE

COLLISION $500 DEDUCTIBLE

ACCESSORY COVERAGE $3,000

Total Policy Premium $81.00

I also have 2 other insurance policies in case I get hurt, loose work, etc etc.
 

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mine is exact same as yours
 
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