Calculator Inputs
Example Data Table
| Scenario | Value | Type | Usage | Age | Claims | Annual | Monthly |
|---|---|---|---|---|---|---|---|
| Trail Weekend | $6,000 | sport | recreation | 28 | 0 | $303.98 | $25.33 |
| Farm Utility | $9,000 | utility | farm | 45 | 0 | $209.99 | $17.50 |
| High-Risk Area | $14,000 | side by side | recreation | 22 | 1 | $2,355.36 | $196.28 |
Examples are generated with the same formula used by the calculator.
Formula Used
This estimator uses a rating-style structure to keep the math transparent:
Annual Premium = (Liability + Collision + Comprehensive + Extras) × Risk Multiplier × Discount Multiplier
- Liability is selected from a limit-based base price.
- Collision and Comprehensive start from ATV value × a type rate, then apply a deductible factor.
- Risk Multiplier combines age, experience, usage, engine size, area risk, storage, claims, riding hours, safety course, and anti-theft.
- Discount Multiplier applies bundle, multi-ATV, and pay-plan adjustments.
- Monthly plans include a small installment load to reflect fees.
How to Use This Calculator
- Enter your ATV market value and select the ATV type.
- Choose engine size, usage, and estimated annual riding hours.
- Fill rider details, storage method, and recent claims history.
- Select liability limits and optional protections like collision.
- Click Calculate Cost to see results above.
- Use Download CSV or Download PDF from results.
Tip: Increase deductibles to reduce premium, then confirm your out-of-pocket comfort.