I called geico today and they gave me a quote for 152 dollars a year full coverage. So if I hit a tree and tear up the whole quad which hopefully wont happen the only thing you have to do is pay the deductible to get it fixed just like car insurance. I'm 25 with nothing on my record so It will probably be more for some of you guys. I think its a good deal especially with quad theft these days. Just thought I would give you guys the heads up.