Mosaic Insuance in Prescott Valley Arizona | Home Insurance | Auto Insurance | Life Insurance | Business Insurance

When you need to have your ATV insured.

Mosaic Insurance explains when you need to have your ATV insured in Prescott.

Recreational vehicles are very popular these days, especially in Arizona. We have so much open space to use these vehicles. We constantly get asked by folks considering purchasing a new ATV, 4 wheeler, Sand Rail, UTV, Side by Side, if they need to get it licensed and insured. We here at Mosaic Insurance hope to provide some clarification on when you need to have your ATV Insurance in Prescott

What does Arizona State law say?

Every off road vehicle needs to have a title and a license plate. If the seller does not have the title, you can apply for one through the Motor Vehicle Division (MVD) office. The MVD will give you an off-road license plate with “RV” printed on the state. (Recreational Vehicle) You need to affix the license plate on the rear of the vehicle. You will also need to attach the off-highway vehicle decal to the plate.

This plate allows you to legally ride your vehicle on dirt roads in unincorporated areas in Arizona. You are NOT ALLOWED to ride on streets or highways. Arizona State defines dirt roads as “unpaved or ungraveled roads that are not maintained by the State, city, town or county.” 

But I want to drive my vehicle on the street.

If you want to ride on the regular town streets you will need to satisfy a couple of additional requirements. First, your vehicle has to be “Street Legal.” If it is, you will need to register it with the MVD office. To register the vehicle with the MVD, you will also need to have insurance coverage. You cannot drive your vehicle on paved roads or highways without insurance. Lastly, you’ll want to make sure you always have your registration and insurance cards with you when operating your vehicle.

We hope you found this information helpful. At Mosaic Insurance, we can find the best insurance policy to fit your needs and budget. With over 30 years of experience, let Mosaic take care of all your recreational vehicle insurance needs. Please contact us at 928-458-7374



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