ATV & Off-Road Vehicle Insurance in San Francisco, CA
Off-road vehicle coverage for San Francisco 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 San Francisco, 3,505 people were killed or injured in reported crashes and 7.1% of households have three or more vehicles in 2023 (OTS and Census). San Francisco 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 · San Francisco County
San Francisco roads, and the vehicles parked beside them
An ATV is one more machine in a driveway that already holds cars. Here is what San Francisco records on its roads, and how many vehicles its households keep.
- Killed or injured
San Francisco, 2023: 3,505 people were killed or injured in reported collisions.
9th of 15 in OTS size group A (1 = worst) — around the middle.
- Households with three or more vehicles
7.1% of San Francisco households (25,926 of 362,650).
- Speed-related
San Francisco, 2023: 486 fatal or injury collisions were speed-related.
8th of 15 in OTS size group A (1 = worst) — around the middle.
Sources
- California Office of Traffic Safety (OTS), 2023 — 3,505 and 486
- U.S. Census Bureau, ACS 5-year estimates, 2023 — 7.1% (table B08201)
Not insurance rates or quotes.
Local guide
ATV riding from San Francisco: the nearest state riding parks, the sticker rules and the tow
None of the nine state vehicular recreation areas run by State Parks’ OHMVR Division is in San Francisco. The closest are Carnegie, in the hills where Alameda and San Joaquin counties meet, and Hollister Hills in the Gabilan Mountains, so for a San Francisco rider every ride day begins with loading a trailer.
Where San Francisco riders actually ride
The parks post their own rules and close trails for rain and repairs; check the park’s conditions page the morning you go.
- Carnegie SVRA, 18600 West Corral Hollow Road, Tracy: more than 1,300 acres of riding area with over 80 miles of motorcycle and ATV trails, plus a 2-acre 4x4 area. Every machine needs a properly affixed, clearly visible DMV registration sticker and an approved spark arrestor; staff check at the entrance and turn away riders missing either. The hills close for at least 12 hours after heavy rain, such as more than 0.30 inch in 12 hours.
- Hollister Hills SVRA, main entrance 7800 Cienega Road, about 5 miles south of Hollister: State Parks’ first SVRA, with over 6,800 acres and nearly 200 miles of trails, about an hour’s drive south of San Jose. Quads ride the Lower Ranch motorcycle and ATV area; the Upper and Hudner ranches are for four-wheeled vehicles other than ATVs. Day use runs sunrise to sunset all year, and the Adobe and Renz areas close in wet weather.
- Prairie City SVRA, 20 miles east of downtown Sacramento and three miles south of U.S. 50, is a third choice. All three parks have an approved range for the free ATV safety training State Parks offers with the Specialty Vehicle Institute of America.
Green sticker, red sticker
Vehicle Code 38020 makes riding, or even leaving standing, an off-highway machine that has neither street registration nor DMV off-highway identification an infraction. The statute still refers to red-sticker riding seasons, but the OHMVR Division’s bulletin 24-3 told law enforcement that from January 1, 2025, red and green stickers are equally valid year-round in every public area designated for OHV recreation, provided the registration matches the VIN. A sticker is registration, not coverage: it pays nothing if someone is hurt on the trail.
Towing out of the city
Carnegie’s address is in Tracy and Hollister Hills lies beyond San Jose, so each trip is a long tow, and Vehicle Code 22406 caps any passenger vehicle pulling a trailer at 55 mph on every highway along the way, whatever the posted limit. Before the first trip, get in writing how your auto policy treats the trailer while it is hitched and whether the ATV policy covers the machine in transit; both depend on the company’s own forms.
Where this comes from
- California State Parks OHMVR Division — State Vehicular Recreation Areas — the nine SVRAs and their locations; Prairie City location; parks with approved ATV training ranges
- California State Parks — Carnegie SVRA — address, riding acreage and trail miles, sticker and spark-arrestor entry check, rain closures
- California State Parks — Hollister Hills SVRA — entrance and location, first SVRA, acreage and trail miles, ATV area, hours, wet-weather closures
- OHMVR Division — Off-Highway Motor Vehicle Information Bulletin 24-3 (Dec. 19, 2024) — red- and green-sticker registration valid year-round in public OHV areas from January 1, 2025
- California Vehicle Code section 38020 — OHV identification required to operate or leave standing an unregistered off-highway vehicle
- California Vehicle Code section 22406 — 55 mph limit for a passenger vehicle drawing another vehicle
Reviewed 2026-10-18
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.
San Francisco & San Francisco County
51.5% of workers here are on the road half an hour or more each way, and more time on the road is more exposure, whatever your record looks like. 28.6% of San Francisco workers drive to work alone, which is why almost every household here needs its own policy rather than a shared one. 6% of San Francisco workers carpool, and who else drives your car is a question worth answering honestly on the application rather than after a claim. 406 motorcyclists were killed or injured in San Francisco in the ranked year, which is the case for carrying more than the minimum on two wheels. 397 cyclists were killed or injured on San Francisco streets that year, and a cyclist injury is a liability claim long before it is anything else. 528 fatal or injury collisions in San Francisco happened between 9pm and 3am, the hours when a single bad decision can become a claim and a conviction at once.
Sources: U.S. Census Bureau, American Community Survey 2023 5-year estimates; California Office of Traffic Safety, Crash Rankings
Driving in San Francisco
Here's what sets San Francisco apart when you shop for auto insurance. We serve drivers across San Francisco, in neighborhoods like SoMa, Mission District, Sunset, Bayview, and Marina. For San Francisco drivers, the carriers we most often place for a competitive rate include Bristol West, Kemper, and Foremost.
Areas we serve
SoMa · Mission District · Sunset · Bayview · Marina
Top carriers we place here
Bristol West · Kemper · Foremost
Closest DMV field offices
- San Francisco — 1377 Fell Street, San Francisco 94117
Source: California DMV field office list, retrieved September 21, 2026.
City population
873,965
Quote San Francisco today
Insurance in San Francisco: What Local Drivers Should Know
Vehicle thefts reported to San Francisco police fell from 6,282 in 2022 to 3,050 in 2025, according to California DOJ figures. Theft of your own car falls under comprehensive coverage, not liability, so comprehensive deserves a deliberate decision.
Source: California DOJ OpenJustice — Crimes and Clearances (1985–2025)
Major routes
US-101 · I-80 · I-280 · SR-1
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 San Francisco that accept proof of insurance are the San Francisco and Daly City offices.
Carriers we write for San Francisco
National General · Bristol West · Foremost
Frequently Asked Questions
What crash numbers exist for off-road riding around San Francisco?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)
Can I add the quad to my San Francisco auto policy?
Can you insure a side-by-side, UTV or dirt bike for a San Francisco rider?
If I trailer the quad on roads around San Francisco, what covers it?
Sources: California Crash Reporting System (CCRS), CHP — California Open Data Portal (2023)
How do speed-related crashes figure in San Francisco?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)