As far as ATV and UTV are concerned both are different vehicles. Both will serve different purposes, besides both have a different type of insurance needs.
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What is ATV?
An all-terrain vehicle, which is commonly known as ATV is a vehicle having the following:
- A straddle position for seating
- Handlebar steering
- The maneuvering ability through all kinds of terrain conditions.
Although you may get a variety of customized ATVs, at their base every ATV will share the above three features.
What is UTV?
All the utility terrain vehicles, popularly called UTVs, are usually used and built more for work-related activities rather than recreation. Normally UTVs are powerful, large, where passengers can sit side-by-side. Also, they have plenty of storage space too.
Commonly they are used for hauling various supplies and equipment in locations where carrying a truck is quite impractical or impossible.
Let us compare ATV and UTV based on the following few features:
- Wheels and tires
An ATV can have either 3 or 4 wheels but UTV has standard 4 wheels. However, in case you have any special needs then there can be more wheels too.
One can easily steer the ATV with the handlebars while UTV is handled more like any car and is steered by using a steering wheel.
- Seating/passenger capacity
ATVs are designed normally for one rider and few can carry an additional passenger. In a UTV normally, 2 to 4 passengers can safely ride and sit side-by-side.
- Speed and handling
All UTVs are normally much faster and are more powerful as compared to ATVs, but may not be as nimble. Generally, their max speed will be between 25 and 50 mph.
- Safety equipment
In the ATV, operators must wear protective clothing, gloves, and boots, and must wear a helmet. UTVs usually have more amounts of safety features than an ATV.
- Braking and acceleration
Most of the stock of ATVs will come with a special thumb throttle and use for brake either the foot paddle or brake handle. While for UTV, both braking and acceleration are controlled by using foot pedals.
Most ATVs are open without a cabin, but in UTVs there is a roof and fully enclosed cabins.
ATVs are mostly used for recreation purpose but can transport over rough ground. UTVs can be hauled for the supplies on farms, and now also becoming more popular among non-agricultural communities.
ATV as compared to UTV is a more budget-friendly option. UTV cost can be even higher if you do more customization, While planning to buy, potential buyers must also consider safety gears and insurance cost.
Both UTVs and ATVs need insurance covers like any vehicle however since many people often customize their UTVs and hence based on the purpose and how it will be used the insurance coverage may vary.