Even though your off road ATV isn’t licensed for street use, there is still a need to insure it. If you have a loan the bank will require comprehensive and collision coverage. Liability coverage will protect your assets by paying just like car insurance does if you happen to run into someone. When I travel on the trails with my ATV I worry and hope another rider took the time to insure themselves like I did. I rather work with an insurance company to pay my medical bills and damages to my ATV then Mr. Joe who ran into me.