Your insurance rates depend on many things, such as...have you had any prior claims. Age and driving record. Where your atv will be stored. Just the area you live in. I have a Kymco UTV (side x side) valued at 10,000. It is stored in a secured/locked barn, no prior claims, older gent and I carry full coverage for 150 yr from Progressive. I did get a quote from Geico and it was twice the cost of Progressive.