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Comprehensive Off-road Vehicle Insurance with Sargent Insurance Agency

Secure Your Off-road Adventures in Little Rock, Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Off-road Vehicle Insurance Provided By Our Agency

Off-road vehicles are designed for adventure, whether navigating trails on a snowmobile or conquering dirt tracks on your bike. But before you embark on these adventures, ensure you have the necessary protection to enjoy them without worry.

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Bodily injury to others
Property damage to others
Collision with fallen tree
Collision with others
Theft of vehicle

Bodily injury to others coverage

Risk Factors

While driving your off-road vehicle, you may meet with an accident and injure other people involved.


If you have an accident and you’re found liable for someone else’s injuries, bodily injury liability coverage may help cover that person’s medical bills.

Property damage to others coverage

Risk Factors

While driving your off-road vehicle, you may meet with an accident and damage someone’s personal property.


If you accidentally cause damage to someone else’s property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.

Collision with fallen tree coverage

Risk Factors

Off-road terrain can be quite dangerous and you may end up having a collision with a tree which may damage your vehicle.


If you hit a fallen tree, collision coverage may help cover the cost of repairs to your vehicle.

Collision with others coverage

Risk Factors

There might be instances where you have a collision with another off-road vehicle and end up damaging the vehicles.


If you hit another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.

Theft of vehicle coverage

Risk Factors

You forgot to lock your vehicle and someone stole your vehicle parked outside your house. You need to pay the legal fees and suffer a huge loss.


If your off-road vehicle is damaged by something other than a collision, comprehensive coverage may help pay for repairs. It may help pay to repair or replace it.

Why Do You Need Off-road Vehicle Insurance?

Since off-road vehicles aren’t street-legal, they aren’t covered by your auto insurance. Additionally, your home insurance policy likely doesn’t cover them either. So, what’s the solution?

Secure your off-road vehicles with an insurance policy from Sargent Insurance Agency, located in Little Rock, Arkansas.

There’s a variety of off-road vehicles, and many can be insured under the same type of coverage, including:

  • ATVs – 3, 4, or 6 wheels
  • Golf carts
  • Dune buggies
  • Dirt bikes
  • Snowmobiles

If you own multiple off-road vehicles, you’ll need a policy that provides comprehensive coverage for all. Different vehicles come with various risks; for example, the risks in a golf cart differ from those in a dirt bike. We can help you select a policy covering all off-road vehicles, regardless of type.

What Does Off-road Vehicle Insurance Cover?

When riding, it’s crucial to stay aware of your surroundings and anticipate the weather and the actions of others. Off-road insurance can protect you if an accident occurs. Coverage typically includes:

Bodily injury to others or property damage caused by your snowmobile, golf cart, or ATV

Bodily injury to yourself from an accident with an uninsured rider

Damage to your snowmobile, golf cart, or ATV from an accident

Theft, fire, vandalism, and other losses, even when your off-road vehicle is in storage

The Importance of Off-road Vehicle Insurance

Whether used for leisure, sport, or transport around off-road areas, off-road vehicles like dirt bikes provide fun for all ages. However, like road vehicles require extensive insurance coverage, off-road vehicle owners should consider similar protection.

Adequate insurance coverage is essential for repairs or replacements in case of collision, theft, vandalism, or other damages.

With the right insurance, you can quickly return to your off-road activities. Accidents are unwelcome but can happen; having the right coverage protects you.

At Sargent Insurance Agency, we understand the importance of having fun and adventure, especially after working hard for your family. Let us help you ensure that an accident won’t slow you down for long. Contact us today at given email address: insurancequote@sargentinsurance.net

Already have Off-road Vehicle Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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