ATV, UTV & off-road vehicle insurance in South Carolina

Off-Road Coverage Overview

Ride the Upstate with confidence
From side-by-sides in the foothills to golf carts in lake communities, off-road fun comes with real risk. The Sullivan Agency sets up coverage for ATVs, UTVs, dirt bikes, dune buggies, and golf carts across Greenville, Anderson, and Spartanburg. We’ll explain what’s covered on-trail, on private land, and—where allowed—on certain local roads, and how this differs from homeowners insurance

What Your Policy Can Cover

Liability, damage, theft, and more

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Liability if you injure someone or damage property while riding

Black silhouette of an ATV.

Collision if a rollover or impact damages your machine

Person holding money bag and shield.

Comprehensive for theft, fire, vandalism, or storm damage

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Medical payments for rider/passenger injuries

Black tire with rim.

Accessory coverage for tires, wheels, winches, lighting, racks, or radios

We can also insure trailers you use to haul your vehicles and coordinate with your auto insurance for on-road exposures involving the tow vehicle.

Golf Carts & Neighborhood Use

Street-legal considerations and proof of insurance

Some SC communities allow carts on designated streets. Where registration is required, proof of insurance may be too. We’ll match policy forms to your town’s rules and your HOA so you can cruise confidently.

Discounts & Safety

Save more when you play it smart

Safety courses, secure storage, and bundling multiple toys can lower costs. Add liability peace of mind with personal umbrella insurance if you host friends or ride in busy areas—higher limits are often inexpensive.

What South Carolina riders ask most

  • Is ATV insurance required in SC?

    Requirements vary based on where you ride and whether the vehicle is street-legal. Even when not required, a dedicated policy is the best way to address liability and theft.

  • Does my homeowners policy cover my ATV?

    Usually not for off-premises use and often limited on-premises. A standalone policy is designed for real-world riding exposures.

  • Are custom parts covered?

    Yes—add accessory coverage for aftermarket wheels, cages, audio, and lighting. We’ll help set the right limit.