OUR TOP INSURANCE COMPANIES

Off-Road Vehicle Insurance in Texas

Take control of your off-road vehicles by choosing the right insurance for your next expedition. Whether you’re shredding trails at high speed or riding the dunes, having adequate insurance is crucial. In Texas, where opportunities to experience scenic views abound, safeguarding against accidents and theft is paramount for off-road enthusiasts.

CINCO knows the excitement and enthusiasm that are associated with off-road as it represents one’s love for the travel. Hailing from a local family and with our years of experience and focus on our clients, we ensure to be of immense help and give our client the best outfit for their coverage requirements.

Why Do I Need Off-Road Vehicle Insurance In Texas?

Off-road insurance is a legal necessity in Texas for certain vehicles so the option offers the opportunity to meet the demand.

It gives a kind of insurance that in the event of an accident or collision while riding off-road, the rider and the vehicle will be safe.

Insurance coverage shields your off-road vehicle from theft, thus, not leaving you with humongous losses.

Third-party risk coverage protects you if you're involved in a mishap that harms someone else or their property while riding.

Off-road insurance is designed for those who don’t want to worry on their outdoor trips, get ready for an emergency at any moment.

How Much Does Off-Road Vehicle Insurance Cost In Texas?

As with any insurance, off-road insurance in Texas has its cost determined by the style of the vehicle, the type of cover, and the rider’s record. On average premiums range to be between $100 and $500 per year, but more powerful or specially equipped off-road cars for instance might cost more. Below are some aspects that determine the costs of insurance.

Vehicle Type

Coverage Choices

Rider's Driving Record

Vehicle Potency

Specialization of the Off-Road Vehicle

Usage

Location

Age of the Vehicle

Safety Features

Bundling Policies

COMPARE Off-Road Vehicle Insurance Rates Across Key Texas Cities

When comparing off-road vehicle insurance rates across key Texas cities, you’ll find that rates can vary significantly depending on factors like location, terrain, and local accident rates. In major cities such as Houston, Dallas, and Austin, higher population densities and traffic levels may lead to increased premiums.

City Name

Average Yearly Off-Road Insurance Rates

Houston

$150 - $550

San Antonio

$140 - $530

Dallas

$160 - $580

Austin

$145 - $525

Fort Worth

$155 - $565

El Paso

$130 - $510

Arlington

$150 - $550

Corpus Christi

$135 - $525

Plano

$160 - $580

Lubbock

$125 - $505

WHAT DISCOUNTS CAN I GET FOR Off-Road Vehicle INSURANCE IN TEXAS?

Frequent discounts include multi-policy savings, where bundling off-road insurance with other policies, such as auto or homeowners insurance, can yield significant savings. Moreover, completing safety courses or equipping your off-road vehicle with anti-theft devices often qualifies for additional discounts, enhancing overall protection and reducing theft risk.

DISCOUNT NAME

DESCRIPTION

Multi-Policy Discount

Save by bundling your off-road insurance with other auto or home insurance policies.

Safety Equipment Discount

Installing safety features such as roll bars, helmets, or GPS systems on your off-road vehicle can earn discounts.

Claims-Free Discount

Qualify for discounts if you have yet to file any claims within a specified period.

Membership Discount

Enjoy savings for being a member of certain off-road vehicle associations or clubs.

Safety Training Discount

Receive discounts for completing an approved off-road vehicle safety training course.

What Are The Minimum Off-Road Vehicle Insurance Requirements In Texas?

Texas describes the minimum off-road insurance limits aimed at providing sufficient insurance in case of an accident. These minimums include: 

  • $30,000 for bodily injury liability per person injured in an accident.
  • $60,000 for bodily injury liability total per accident, regardless of the number of persons injured.
  • $25,000 for property damage liability per accident.

Texas requires minimum off-road vehicle insurance to ensure financial responsibility in case of accidents. This includes $30,000 per person for bodily injury, $60,000 total per accident for bodily injuries, and $25,000 per accident for property damage. 

What Types Of Off-Road Vehicle Can I Insure With CINCO in Texas?

It covers all-terrain vehicles, ensuring protection through rugged terrain and adventurous trails.
It fully covers utility task vehicles, offering security for recreational and work-related use in diverse environments.
Covers snowmobiles, safeguarding your winter sports adventures against accidents and environmental risks.
Offers coverage for dune buggies, ensuring worry-free sandy escapades with protection against unexpected events.
Even golf carts are insured, providing coverage on and off the course for leisurely rides or utility purposes.

What Coverages Can I Get For My Off-Road Vehicle In Texas?

Liability Coverage

Protect against financial responsibility for injuries or property damage caused by your off-road vehicle.

Collision Coverage

Cover repair costs for your off-road vehicle if damaged in a collision with another object or vehicle.

Comprehensive Coverage

Protect your off-road vehicle from non-collision incidents like theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage

Provide coverage if involved in an accident with an at-fault driver who lacks sufficient insurance.

Medical Payments Coverage

Cover medical expenses for you and your passengers after an off-road vehicle accident, ensuring timely treatment.

Personal Injury Protection (PIP)

Offer broader coverage for medical expenses and lost wages from an off-road vehicle accident.

Roadside Assistance

Receive help if your off-road vehicle breaks down on the trail, including towing and minor repairs.

Accessories and Custom Parts Coverage

Ensure your aftermarket modifications are covered against damage or theft, protecting your custom upgrades.

Guest Passenger Liability Coverage

Protect passengers in your off-road vehicle from injury or damage while riding with you, ensuring their safety.

Why Is CINCO The Best Choice For Off-Road Vehicle Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

Explore

Discover the various off-road insurance options tailored to your needs and budget in Texas.

Connect

Contact us for personalized assistance and guidance in selecting the right off-road insurance in Texas.

Compare

Compare quotes and coverage options to find the best insurance plan for your off-road vehicle adventures in Texas.

Get A Free Off-Road Vehicle Quote In Texas

FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS

Cinco Auto Insurance Office Front

307 W Centerville Rd Suite C, Garland, TX 75041

GET DIRECTIONS

Cinco Auto Insurance Office Front

2750 W Northwest Hwy Ste 190, Dallas, TX 75220

GET DIRECTIONS

Cinco Auto Insurance Office Front

2210 S Beckley Ave, Dallas, TX 75224

GET DIRECTIONS

Cinco Auto Insurance Office Front

10335 Ferguson Rd, Dallas, TX 75228

GET DIRECTIONS

Cinco Auto Insurance Office Front

2513 S Hampton Rd, Dallas, TX 75224

GET DIRECTIONS

Cinco Auto Insurance Office Front

1440 S Buckner Blvd, Dallas, TX 75217

GET DIRECTIONS

Cinco Auto Insurance Office Front

9208 E R L Thornton Fwy #207b, Dallas, TX 75228

GET DIRECTIONS

GET CINCO Off-Road Vehicle INSURANCE IN YOUR CITY

WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?

Luis Ortuno

Highly recommend! Completed my full coverage paperwork over the phone with Edward. Affordable prices and no waiting, unlike other agencies.

Google Google Review

Wendy Castillo

Thank you, Edward! I got exactly what I needed within my budget. Quick, easy, and hassle-free service. Happy customer!

Google Google Review

Jimmey McCullough

Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.

Google Google Review

Audrey Hare

Best customer service! Edward was fantastic, answered all my concerns, and made the process easy. Valentina and Edward were great!

Google Google Review

Katrina Hughes

Edward provided great service, found an affordable quote, and made the process quick and simple. Highly recommend this insurance agency!

Google Google Review

Daniel Alvarado

Nataly made the sign-up process easy and provided excellent service. I highly recommend this place for insurance needs.

Google Google Review

Maria Martinez

Evelyn gave me a fantastic insurance quote quickly. Great customer service and fast results. I definitely recommend!

Google Google Review

Jocelyn Adams

Edward was patient and made sure I received great service throughout the process. Really appreciate his help!

Google Google Review

Tamekia Owens

Very friendly and fast service. Highly recommended for anyone looking for quality and efficient insurance support.

Google Google Review

Myrna Garcia

Edward helped me find a great price for my auto insurance. He was patient and offered fantastic coverage options.

Google Google Review

Cynthia D. Khaled

Edward provided excellent customer service and answered all my questions. Highly recommend this company for your insurance needs.

Google Google Review

Luis Morales

Big thanks to Edward for providing outstanding customer service and affordable options. Definitely go see him!

Google Google Review

Eduardo Ruiz

Nataly helped us find great insurance rates with excellent service. Highly recommend for low prices and great care.

Google Google Review

Reyna Arroyo

Samantha provided a great quote and helpful service. Will definitely recommend her to family and friends for insurance needs.

Google Google Review

Monica Herrera

Best customer service in town with low prices. Extremely kind and generous staff. Highly recommend this place!

Google Google Review

Claire Small

Amanda found me a fantastic insurance quote and was professional, kind, and diligent. I didn’t hesitate to take it!

Google Google Review

Abril Hernandez

Edward did an amazing job finding me the best price. Great service and excellent customer care.

Google Google Review

Christina Saldana

Eduardo quickly connected me with Amanda, who made the process easy and stress-free. Highly recommend them both!

Google Google Review

Cooking with Gala

Edward provided friendly and helpful customer service. The process was quick and the prices were great. Highly recommend!

Google Google Review

Ednandez

Keyla made my insurance switch smooth and easy. Very nice and helpful! I recommend her to everyone.

Google Google Review

Ryan Anderson

Elsa was amazing and helped me find great insurance prices. Highly recommend her for anyone seeking affordable coverage.

Google Google Review

John

Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

Google Google Review

John

Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

Google Google Review