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Utility Vehicle Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 21, 2021

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Key Takeaways

  • You can save up to 15 percent on your car insurance premiums by bundling your insurance and earning a utility vehicle car insurance discount.
  • To qualify for a utility vehicle car insurance discount, insure your utility terrain vehicle with the same company you purchase car insurance from.
  • At least 4 national insurance providers offer a utility vehicle car insurance discount.

Many people rely on utility terrain vehicles, or UTVs, for work or to haul supplies and equipment. Costing around $15,000, it makes sense that you might want to insure your UTV to protect yourself from any potential losses. By bundling your UTV and car insurance with the same company, you could save up to 15 percent annually with a utility vehicle car insurance discount.

Read through our fast guide to learn what companies offer this UTV insurance discount, which one provides the biggest savings, and secure cheap car insurance.

Don’t forget to ask about utility vehicle car insurance discounts after you enter your ZIP code into our FREE quote tool above and receive rates from reputable providers near you.

What car insurance companies offer a utility vehicle car insurance discount?

Utility vehicles are small side-by-side off-road vehicles that sit anywhere for two to six people and usually come equipped with four-wheel drive. In fact, side by side UTVs were designed after a popular all-terrain vehicle, the Jeep Wrangler.

Many people, like farmers, rely on UTVs for both work and personal reasons. The off-road vehicles are quite an investment and cost around $15,000 on average.

It makes sense to insure something with such a high price tag that you rely on day-to-day. Fortunately, some car insurance companies will provide you with a discount if you purchase both car and UTV insurance policies.

See which providers advertise this discount in the table below. If information about specific rates is available, it has been included in the data.

Utility Vehicle Discounts Offered by Car Insurance Company
CompaniesUtility Vehicle Discount Offered
AllstateYes - 15%
FarmersYes
GEICOYes
The HartfordYes
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You can earn an affordable utility vehicle car insurance discount from Allstate, Farmers, GEICO, and The Hartford. It is possible that local agencies near you might also provide this discount.

While the utility vehicle car insurance discount rates will vary depending on what company you use, expect to save an average of around 15 percent annually.

What is a utility vehicle car insurance discount?

A utility car insurance discount is a way for an insurance provider to reward customers for remaining loyal to the provider. By purchasing two policies to cover two different vehicles, a car and a UTV, you’re giving the company more of your business.

According to data reported by the Consumer Federation of America, UTVs are allowed on the roads in 36 states.

However, damage, theft, and accidents still occur regularly. A utility vehicle insurance policy would help protect you financially from those unforeseeable situations.

UTV insurance policies usually consist of liability coverage and protection against damage or theft. These policies can also be sold under different names, like off-road vehicle insurance, or even ATV insurance.

What does liability insurance cover? It pays for damage to other people or property in accidents you’re at fault for. Some policies also cover the total cost of the actual off-road utility vehicle.

To both entice you to give as much of your business as possible to the same company, and to thank you for said business, some companies will provide you with a slightly discounted UTV and car insurance rate.

How can I qualify for a utility vehicle car insurance discount?

To earn a UTV discount, you must simply purchase both a personal car insurance policy and a utility vehicle insurance policy through the same provider that advertises this discount.

However, qualifying for a utility vehicle car insurance discount varies by company and state. Car insurance laws and regulations change based on where you live.

How much can I save with a utility vehicle car insurance discount?

According to the Insurance Information Institute (III), the average cost of car insurance in America is $1,005. However, by bundling your car policy with a UTV insurance policy, you can save up to 15 percent annually on your combined premiums.

Bundling insurance is a great way to save money. Many providers discount your premiums for insuring your car and your home, or even multiple different vehicles.

Every insurance company offers different discounts and savings opportunities. Compare quotes from multiple providers to ensure that you’re getting the best coverage at the best price.

Find out what other discounts you can qualify for besides UTV insurance discounts from providers near you by entering your ZIP code into our FREE online quote tool.

References:

  1. https://consumerfed.org/off-highway-vehicle-safety/off-highway-vehicles-on-roads/
  2. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance

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