4 Wheeler Insurance and

ATV Insurance

ATV insurance for your 4 Wheeler or other ATV

Enjoy the thrill of every jump, dip and turn even more by knowing you're protected. We offer 4 Wheeler ATV insurance coverage beyond your auto and home policies for your ATV — for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes and more. Talk to one of our agents about your ATV insurance options today.

We have experts on hand to discuss your ATV needs.

Right along with your policy you'll get the help of an insurance agent who knows the ins and outs of ATV insurance and can help guide you through your many coverages and options. He or she can answer any questions you might have and help you:

• Understand your coverage choices so you can decide what's right for you

• Maximize your savings with the latest available discounts for your ATVs

• Find the answers you need about the claims process

• Discover new tips for maintaining and enjoying your 4x4 to the fullest

Optional coverages for your ATV 4-Wheeler

Most auto and homeowners insurance policies provide little, if any, supplemental coverage for off-road vehicles and ATVs. It's important to choose specialized protection for your ATV — and with our policies you can get basic insurance coverage for about $15 per month. You can even add coverage for towing or custom parts on top of the options you see here:

Bodily injury liability
If someone gets hurt in an accident and you're at fault, this covers the medical expenses.

Property damage liability
Covers the damages if you're at fault in an accident that involves another person's property. Usually, that includes things like vehicles, homes and buildings.

Collision coverage
Reimburses the cost of repairing your ATV after damage due to a collision with another object, such as another off-road vehicle, tree or fence.

Comprehensive coverage
Covers damage to your ATV resulting from almost anything: flooding, wind, vandalism, theft and other events not involving a crash with another vehicle.

ATV insurance options and discounts

Protection for your 4x4 or other off-road vehicle ATV is affordable, and with our 4 Wheeler ATV insurance discounts you can lower your monthly premium even more. You can save up to 40% on your ATV insurance policy by taking a few simple steps like bundling your policies and setting up automatic withdrawals. One of our agents can explain the details and help you get the most out of the pastime you love.

Multi-policy discount
If you have another vehicle insured by our agency we will show you our appreciation with additional savings.

Full-pay discount
You can pay less on your premium just for paying in full.

Automatic payments
Setting up automatic withdrawals for your payment keeps you on track and saving money.

Homeownership discount
Are you a homeowner? That can also get you a discount on your ATV insurance policy.

Safety course discount
It's always a good idea to brush up on safety. In this case, taking a course benefits your wallet, too.

Call us today for your free
4-Wheeler insurance and other ATV insurance quote

(952) 473-2110

If you like the numbers that we send you - you can start your
new ATV or 4 Wheeler insurance policy over the phone.  It's that simple!


MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:

Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
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