Offroad only use vehicles and insurance.

[chadjans]

My jeep has become a vehicle that will never be driven on the street anymore. Do I need to carry insureance on it? I have the plates and title and the registration comes do in April. I was going to do the dismantled /reconstruction title thing but I don't want to have to get it inspected for I don't meet all the requirements. I priced insurance from my State Farm agent for just liability and they wanted 50 a month (what the annual premium computes to). The more I think about it I don't want to have to carry insureance on it. Is it required per any state ARS?

Chad

[TRobertsRN]

I don't think insurance is required unless driven on the road. That being said are you willing to lose your home and posessions if you or someone else or their vehicle or property are dammaged while you are off roading? How much do you lose if it is stolen? I don't know what the issuses are with taking a unregistered strickly off road Jeep vehicle to Mexico for fun there but I am guessing it can't be done?

Your post has given me more questions than I have answers for. This is good as mine will be a trailer queen some day too.

Thanks,

[twstdtj]

If you want to run any of the maintained trails such as crown King or the Fire Service roads I believe that the vehicle must be licensed. I realize that you are not street legal, but I believe you will have to register it as an ATV for some of the trails. Just like a four wheeler or Dirt bike. Best Contact DMV to make sure though

[Antman]

I dont drive my jeep on the road very much. Maybe a couple hundred miles a year. I still have a license on it and carry liability and collision insurance. If your in, say Payette Draw and your jeep rolls over on someone or rolls into someone else's jeep, wouldn't you want to be covered?

I did raise my deductable to $1000 which halved my bill.

[ThePagan]

If you attend events like Chili Challenge or any off-road parks or things like that you are generally required to have your own insurance otherwise many of the big events would be too expensive to put on. If you ever plan on running trails in other states like for example here in CO. You will either need to have plates or you will need to purcahse an out-of-state OHV sticker that only allows you on OHV roads but won't allow you to drive back and forth from camp to the trails....

[JamesT]

Let me know if you don't get insurance. I really don't want to wheel with people that don't carry it.
Like Pagan said, most organized events that require you to have it.

I don't take my junk on roads, but I have it registered in order to keep the insurance.
The rate you quoted seems way too high. Get it quoted as a weekend driver and liability only. I added my junk to my Cobra policy and it actually reduced my yearly premium. Somehow the multiple car discount was more than the cost of the liability and my premium went down.

[SavageSun4x4]

Keep your liability and drop your collision and most other coverage’s. List your rig as recreation use only, meaning no work/school driving and your mileage as less than 5k miles per year or 2500 mi per year if you trailer it.

I would also put my liability limits around $1M or so in case you roll and land on somebody or run over a spotter etc.

[Tom M.]

You should read your policy and make sure you are covered while offroading. There are always exclusions for racing, organized stunting activites, expected or intended injury etc. Most people never read the language of the policy. Protect yourself and know what you are covered for.

[AZXJ]

Here's what I had to do....

Get liability insurance. Registure the vehicle as offroad only and recieved an RV (recreation vehicle) plate.

[Stu Olson]

If you want to run any of the maintained trails such as crown King or the Fire Service roads I believe that the vehicle must be licensed. I realize that you are not street legal, but I believe you will have to register it as an ATV for some of the trails. Just like a four wheeler or Dirt bike. Best Contact DMV to make sure though
Very good comment.

And the roads at Table Mesa and Florence Junction, that we all drive on once aired down and heading back to the trails, are also public roads. I've seen law enforcement on those roads handing out tickets to non-licensed vehicles. Some kind of plate on the vehicle would be needed....and I'm sure with the plate is a requirement for insurance. Certainly worth investigating. :)

[AZXJ]

Plate is required by law. The insurance Co. I use. American family didn't require a plate... Just the vin...