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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 OFF-ROAD VEHICLE INSURANCE NEAR YOU IN TEXAS

307 W Centerville Rd , Suite C, Garland, TX 75041

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2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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2210 S Beckley Ave, Dallas, TX 75224

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10335 Ferguson Rd, Dallas, TX 75228

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2509 S Hampton Rd, Suite A, Dallas, TX 75224

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1440 S Buckner Blvd, Dallas, TX 75217

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

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