ATV & Off-Road Vehicle Insurance in Los Angeles, CA
Off-road vehicle coverage for Los Angeles riders — quads, side-by-sides, dirt bikes, and dune buggies. Liability, comprehensive, and collision options available.
By Auto World Insurance Services · CA Broker License #6005606
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Quick answer
In Los Angeles, 8,116 people were killed or injured in reported crashes and 16.6% of households have three or more vehicles in 2023 (OTS and Census). Los Angeles drivers are priced on their record, mileage, vehicle and coverage choices, and different carriers price the same driver very differently — which is why we compare, and why the free two-minute quote is the only number that is actually yours.
Local data · Los Angeles County
Los Angeles roads, and the vehicles parked beside them
An ATV is one more machine in a driveway that already holds cars. Here is what Los Angeles records on its roads, and how many vehicles its households keep.
- Killed or injured
Los Angeles, 2023: 8,116 people were killed or injured in reported collisions.
15th of 15 in OTS size group A for people killed or injured (1 = worst) — among the best fifth.
- Households with three or more vehicles
16.6% of Los Angeles households (235,859 of 1,419,663).
- Speed-related
Los Angeles, 2023: 1,104 fatal or injury collisions were speed-related.
15th of 15 in OTS size group A for speed-related collisions (1 = worst) — among the best fifth.
Sources
- California Office of Traffic Safety (OTS), 2023 — 8,116 and 1,104
- U.S. Census Bureau, ACS 5-year estimates, 2023 — 16.6% (table B08201)
Not insurance rates or quotes.
ATVs, UTVs, dirt bikes and dune buggies are insured differently from your car. An off-highway vehicle that is not street-registered may not be ridden or left standing without OHV identification — the green or red sticker — except where the Vehicle Code provides otherwise (Vehicle Code section 38020). That sticker is separate from insurance, and whether you need a policy can depend on where you ride, your lender or the landowner.
Los Angeles & Los Angeles County
393 cyclists were killed or injured on Los Angeles streets that year, and a cyclist injury is a liability claim long before it is anything else. 1,498 fatal or injury collisions in Los Angeles happened between 9pm and 3am, the hours when a single bad decision can become a claim and a conviction at once. 11.8% of Los Angeles households do not have a vehicle at all, which is one reason non-owner and named-operator policies come up here. The average one-way commute in Los Angeles runs about 31 minutes, and mileage is one of the few rating factors you can actually change. 12.7% of Los Angeles commuters spend an hour or more getting to work each way, which is a different risk picture from a short local drive. 6.7% of Los Angeles workers get to work on public transit, so plenty of people here drive occasionally rather than daily.
Sources: California Office of Traffic Safety, Crash Rankings; U.S. Census Bureau, American Community Survey 2023 5-year estimates
Driving in Los Angeles
Here's what sets Los Angeles apart when you shop for auto insurance. We serve drivers across Los Angeles, in neighborhoods like Downtown LA, Hollywood, Koreatown, East LA, and San Fernando Valley. For Los Angeles drivers, the carriers we most often place for a competitive rate include Bristol West, Kemper, and BlueFire.
Areas we serve
Downtown LA · Hollywood · Koreatown · East LA · San Fernando Valley
Top carriers we place here
Bristol West · Kemper · BlueFire
Closest DMV field offices
- Lincoln Park — 3529 N Mission Road, Los Angeles 90031
- Los Angeles — 3615 S Hope Street, Los Angeles 90007
- Arleta — 14400 Van Nuys Blvd, Arleta 91331
Source: California DMV field office list, retrieved September 21, 2026.
City population
3,898,747
Quote Los Angeles today
Insurance in Los Angeles: What Local Drivers Should Know
Los Angeles police recorded 20,093 vehicle thefts in 2025, down from 25,493 in 2022. A stolen car is a comprehensive claim, not a liability one, so a liability-only policy would not pay for it.
Source: California DOJ OpenJustice — Crimes and Clearances (1985–2025)
Major routes
I-5 · I-405 · I-10 · US-101 · I-110
SR-22 / DMV
We normally file your SR-22 electronically with the California DMV the same business day your policy is bound. The closest DMV field offices to Los Angeles that accept proof of insurance are the Lincoln Park and Los Angeles offices.
Carriers we write for Los Angeles
National General · Bristol West · Kemper — servicio en español disponible
Frequently Asked Questions
Is an ATV policy worth it if the quad rarely leaves the garage in Los Angeles?
Sources: U.S. Census Bureau, American Community Survey 5-year estimates (2023) — Los Angeles city, California
What crash numbers exist for off-road riding around Los Angeles?
Sources: California Office of Traffic Safety, OTS Crash Rankings — Los Angeles, 2023 (derived from SWITRS)
Can I add the quad to my Los Angeles auto policy?
Sources: U.S. Census Bureau, American Community Survey 5-year estimates (2023) — Los Angeles city, California
If I trailer the quad on roads around Los Angeles, what covers it?
Sources: California Crash Reporting System (CCRS), CHP — California Open Data Portal (2023)
Is towing home late at night around Los Angeles riskier?
Sources: California Office of Traffic Safety, OTS Crash Rankings — Los Angeles, 2023 (derived from SWITRS)