What's the difference between an ATV and a dirt bike?
ATVs typically have four wheels and can carry cargo across rugged terrain. Dirt bikes, by contrast, have two wheels and are more maneuverable and built for jumps and tight trails. When weighing the pros and cons of ATVs versus dirt bikes, think about the kind of riding experience you want. How skilled of a rider are you? And what kind of trails do you want to explore?
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The pros and cons of ATVs vs. dirt bikes
Choosing the right vehicle for your off-roading adventures means understanding the functionality of an ATV versus a dirt bike. Here are four components to help you make the right choice.
Riding style: Passive vs. active
Both vehicles allow you to cruise unpaved trails, but an ATV may offer a smoother riding experience. That's due to a more comfortable riding position from operating a vehicle with four wheels, making bumps and jolts from the trail less pronounced. If you're looking for a more active ride, you may prefer the ride position of a dirt bike compared to an ATV’s more passive seat.
Rider skill: Stability vs. thrills
Vehicles with four wheels, sometimes referred to as "quads," are more stable and easier to learn how to operate. The quad ATV likely has an easier learning curve compared to a dirt bike, allowing you to get on the trail in less time. If you're looking for a more thrilling ride, you may prefer a dirt bike once you develop the necessary motorcycle skills.
Versatility on the trails: Utility vs. navigation
ATVs and dirt bikes offer freedom to explore but excel in different ways. ATVs offer more utility than dirt bikes; you can use them to haul firewood or plow snow if your vehicle is stuck after a winter ride. Dirt bikes are typically the better choice for trail riding, as they're smaller, more agile, and can navigate narrower pathways than an ATV.
Seasonality
You may get more ride time per year out of an ATV. Dirt bikes can be dangerous to ride in winter conditions, whereas ATVs are equally at home in the snow.
Do ATVs cost more than dirt bikes?
It depends on the model and features of the ATV, and whether you buy a new or used ATV, but ATVs are generally more expensive than dirt bikes. ATVs typically cost more to maintain as well. You also need more space to store them and a large vehicle to get them to the trail.
Your cost for ATV insurance depends on many factors, including your location, vehicle type and coverage selection. Insurance for a dirt bike is determined by those same factors.
Do ATVs need insurance?
Many states don't mandate ATV insurance, but some RV trails and public parks may require you to carry an ATV insurance policy before you can ride your ATV or UTV. If you finance or lease your ATV, your lender may require comprehensive coverage and collision coverage to protect your vehicle against theft and physical damage. But even if your ATV is paid off, an ATV policy can provide valuable protection at an affordable cost.
Learn more about if you need ATV insurance.
Do dirt bikes need insurance?
Dirt bike insurance is required in many states; you need motorcycle liability coverage to cover you in case you’re liable for damages or injuries you cause while riding your dirt bike. However, even if you have no insurance requirements for your dirt bike, a policy can give you peace of mind while riding and safeguard your bike.
Forge your own path with an ATV insurance quote from Progressive
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