First, if you are buying a brand new four wheeler or side-by-side, you can probably expect to spend between $100 and $400 a year in premium, if you an adult over age 25 in Minnesota with a good driving and claim record and average or better credit. If your machine is somewhat older, your cost to insure it will likely fall in the lower half of this range or maybe slightly less.
If your ATV isn’t worth too much, your main concern may be protection in case someone is injured. If you qualify for preferred rates, many carriers may offer basic Liability and/or injury coverage for $75 per year (the minimum premium on many policies). If you find a carrier willing to add the coverage to an Auto or Homeowners policy, your price might be even less.
Keep in mind that there are many factors that affect an insurance rate. I’d be happy to answer your questions and provide you with a personalized quote to protect your investment, as well as your peace of mind.