ATV insurance · Arizona

ATV Insurance Agencies in Tempe, AZ

Covers quads and off-road vehicles, which auto policies exclude.

Local insight

ATV insurance in Tempe: what to know

Tempe has 188,065 residents in 78,279 households. We list 6 agencies for atv insurance in Tempe. Here is what the local numbers say about the cover people here need.

Tempe at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Maricopa County

FEMA rates the overall natural hazard risk in Maricopa County, where most Tempe agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

  • Inland floodingVery High

    Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

    Flood insurance
  • HailVery High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Tempe
  • Strong windVery High

    Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

    Home insurance in Tempe
  • WildfireRelatively High

    Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

    Home insurance in Tempe
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Tempe

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Arizona

Arizona requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in TempeHow much liability cover do you need?

Source: azleg.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Where Tempe agencies are

Tempe agencies we list sit in 3 ZIP codes, mostly in Maricopa County.

  • 852813 agencies
  • 852832 agencies
  • 852841 agency

Questions

ATV insurance in Tempe

All insurance agencies in Tempe · ATV insurance across Arizona

Where can I find atv insurance in Tempe?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does atv insurance cover?

Covers quads and off-road vehicles, which auto policies exclude.

Do I need flood insurance in Tempe?

FEMA's National Risk Index rates inland flooding risk in Maricopa County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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ATV insurance near Tempe

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