Can You Insure An Atv Without A Tittle? – Here’s The Answer!


Like many drivers, you might have considered insuring your Atv (all-terrain vehicle) or UTV (utility task vehicle).

You may have even wondered if you can insure an Atv without a title.

The short answer to both questions is yes; however, there are some key differences you should be aware of before you begin the process of protecting your investment with insurance coverage.

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What Is An Atv


An all-terrain vehicle (ATV) is a type of off-road vehicle that can be driven on both on land and snow.

ATVs are popular vehicles for recreation, including riding on trails and dirt roads, mud bogging, showing off tricks, or just having fun with friends.

There are two main types of ATVs: four-wheelers and side-by-sides.

Four-wheelers (like you see in an F1 race) are quads that sit on three wheels when moving; four wheelers have a steering wheel and three tires at all times.

Side-by-side vehicles, or UTVs, can be driven with one or two wheels off of the ground, which makes them extremely versatile.

Why Your ATV Has No Tittle

When you purchase an ATV from a dealer, it will likely come with a title (most states require it to be titled), but if you’re buying privately or getting your used ATV from a non-dealer source, chances are good that it won’t have one.

Unfortunately, many consumers think they need a title to insure their ATV. That’s not always true.

Most insurers do not require a title in order to provide coverage for an ATV; however, some insurance companies may ask for a copy of your registration card and/or proof of ownership.

If you don’t have a title, keep your original receipt as well as other documentation showing when and where you purchased it.

These documents can help show proof of ownership should you ever need to file a claim on your policy.

Should You Buy An ATV Without A Title

Most states require ATVs to be titled. If you don’t have a title, you’ll need to get one before you can register your ATV with state DMV or Department of Transportation.

In some states, you can register and operate an ATV without a title for up to 90 days as long as it has a valid VIN number.

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The Cost Of Insurance For ATVs

When it comes to ATVs, there are quite a few factors that go into determining how much insurance costs, but there’s one thing all companies look at when setting rates: your safety record.

If you haven’t crashed in recent years and your vehicle is equipped with common safety features, such as headlights and mirrors, you can count on lower premiums.

Another factor that can influence your rate is where you live.

In some states, riding an ATV without proper training or licensing can result in fines or even jail time; if you live in an area like this, expect higher premiums.

VIN Number

The VIN number (vehicle identification number) is a unique 17-digit identification code that is assigned to all new motor vehicles, as required by U.S. law.

They are typically found on either side of your windshield inside your vehicle’s front doors, in both front door panels and below your car’s dashboard on an inspection certificate or vehicle registration.

FAQ’s On Can You Insure An Atv Without A Tittle?

Do ATVs Have titles?

Yes, ATVs have titles. In fact, all vehicles are required to have titles before they can be legally driven on public roads.

To get a title for your ATV, head to your local DMV with proof of ownership and other required documents—check with your state agency to learn what’s needed—and pay a small fee.

How To Register An ATV Without A Title In Ohio?

Ohio requires a Certificate of Ownership to register an ATV without a title.

To obtain one, you’ll need to go in person to your nearest Ohio Bureau of Motor Vehicles (BMV) location and provide

How To Get Title For ATV With Bill Of Sale?


Title refers to documents showing legal ownership of a vehicle. If you buy an ATV, motorcycle or other motorized vehicle with a bill of sale, rather than a title, you will not be able to get insurance for it.

If you have just purchased an ATV that is not titled in your name, it is important to file for title as soon as possible so that you can register and insure your new vehicle.

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