Side-by-sides—also known as UTVs (Utility Task Vehicles)—are a favorite for Arizona outdoor enthusiasts who crave the thrill of off-roading. Whether you're exploring the desert trails around Tucson or cruising through recreational areas near Phoenix or Scottsdale , your side-by-side deserves the right protection. That’s where side-by-side insurance comes in.

Side-by-side insurance is a specialized policy designed to protect UTVs from damage, liability , theft , and more. Unlike standard auto insurance , these policies are tailored for recreational and off-road vehicles, offering broader coverage for the unique risks associated with them.

Depending on your policy, side-by-side insurance can include:

Collision Coverage : For damage from crashes, whether on or off the trail. Comprehensive Coverage : Protects against theft, fire , vandalism , and natural disasters. Liability Protection: Covers medical expenses or property damage if you’re at fault in an accident. Uninsured/Underinsured Motorist: In case another rider causes an accident and doesn’t have enough coverage. Accessory Coverage: For aftermarket upgrades like custom wheels, sound systems, and roll cages.

Yes! While Arizona doesn’t require insurance for off-road vehicles used solely on private property, many public trails and recreation areas do require proof of insurance and registration. Plus, if you ever transport your UTV or store it in a trailer, insurance can protect you from accidents during transit or storage.

At Riseson Insurance, based in Tempe, we specialize in matching UTV owners with the perfect policy. Our clients across Phoenix, Scottsdale, Tucson, Gilbert, and Chandler trust us to find affordable, reliable coverage that suits their adventurous lifestyle.

We work with top-rated carriers to provide flexible options for:

Weekend warriors Hunters Ranchers Off-road racers Casual trail riders

Don't leave your side-by-side unprotected in the Arizona wilderness. With the right insurance policy, you can focus on fun—knowing you're covered no matter what terrain you take on.

Reach out to Riseson Insurance in Tempe to get a quote. Call us today at 602-460-5470.

What Is Side-by-Side Insurance?

What Does Side-by-Side Insurance Cover?

Do You Really Need Side-by-Side Insurance?

Local Insight from a Tempe-Based Agency

Get Covered and Ride With Confidence

• Collision Coverage : For damage from crashes, whether on or off the trail.
• Comprehensive Coverage : Protects against theft, fire , vandalism , and natural disasters.
• Liability Protection: Covers medical expenses or property damage if you’re at fault in an accident.
• Uninsured/Underinsured Motorist: In case another rider causes an accident and doesn’t have enough coverage.
• Accessory Coverage: For aftermarket upgrades like custom wheels, sound systems, and roll cages.

• Weekend warriors
• Hunters
• Ranchers
• Off-road racers
• Casual trail riders