ATV, Golf Cart & Snowmobile Insurance

The Hartford

The Hartford offers the coverage you need for your ATV, Golf Cart, and Snowmobile.

AARP members like to go “off-road” and enjoy the great outdoors. And depending on where you live and how you use your vehicle, your insurance needs can vary.

With the AARP® Auto Insurance Program from The Hartford1, trained Hartford specialists can help guide you through the details so you can feel confident you’re getting the right coverage for you.


You could be eligible for discounts if you bundle along with your auto and home coverage, or insure multiple recreational vehicles with The Hartford. A Hartford representative or your insurance agent can help you find the discounts that are right for you.

Important Coverage

You’re going to enjoy riding even more knowing that The Hartford has you covered for:

  • Collisions
  • Liability
  • Medical payments

Additional Coverage

Need more coverage? Take a look at these additional options:

  • Increased liability
  • Optional equipment coverage for things like towable trailers or sleds made for use with a snowmobile or ATV
  • Coverage when you drive off of the golf course in your gated community

Not all coverages are available in all states. 

In California, Alaska, Hawaii, and North Carolina, ATV Insurance policies are underwritten by Foremost Insurance Company Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, and Foremost County Mutual Insurance Company.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP's intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. 

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. Auto is currently unavailable in Canada and U.S. Territories or possessions.  Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

¹ In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company, through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company.