The more I speak to folks who insure their ATV's the more I realize that some folks are getting ripped off. I found the cheapest insurance for my Rincon and Rubicon at Progressive. I pay about $120 a year for full coverage for both machines. I'm sure there are good deals out there, but I found Progressive to be the best. But call them direct, don't go through your agent or a broker, as the best deal is directly with them.