Liability Insurance is required to operate an ATV anywhere in New York State, except on the owner's property. ATV Insurance can be purchased to include Liability, Medical Payments, comprehensive and collision coverage, much like an Auto Insurance Policy. ATV insurance can fill in the gaps that a standard homeowner policy will not provide. To properly protection your ATV if is stolen or badly damaged, you will need to purchase comp and collision Coverage.
New York State also requires that an ATV be registered with the Department of Motor Vehicles if it is operated anywhere in New York State, including the owner's property. The cost of the registration is $12.50 a year and you must also pay a $12.50 license plate fee when you first register your ATV. The license plate must be attached to the rear of the ATV, and the sticker should be placed at the right side.
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