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If you title and insure your ATV, can you then drive it on public roads?
Unless the state specifically added ATVs to the list of mandatory insured vehicles, tell your insurance company you will not be renewing.
Insurance companies are a nice racket with well paid lobbyists who have succeeded in making insurance mandatory. I have 9+ vehicles, and they require me to insure all of them at standard rates, as if I could drive more than one at a time! My wife works in insurance and I've made it plenty clear in my house how much I hate the industry.
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