The True Costs of Owning an Off-Road Ride; What to Budget for

Purchasing an ATV, snowmobile, or any other off-road vehicle is an exciting milestone, but it’s just the beginning. While many buyers focus on the price tag of the vehicle itself, there are other ongoing costs to consider that can impact your budget. Whether you're planning to use your ATV for work, recreation, or both, understanding the true cost of ownership is essential for keeping things affordable and ensuring you get the most out of your ride.

At Yes Drive, we want to help you make informed decisions about your off-road vehicle investment. In this post, we’ll break down the true costs of owning an off-road ride ATV or snowmobile so that you’re prepared for the road ahead.

1. Maintenance Costs

Just like any other vehicle, ATVs and snowmobiles require regular maintenance to keep running smoothly and safely. While the initial purchase is a big cost, it’s important to plan for the long-term maintenance needs of your vehicle. Here’s a breakdown of what to expect:

• Oil Changes: Just like a car, ATVs and snowmobiles need regular oil changes to ensure the engine is running smoothly. Depending on usage, this might be every 50-100 hours of riding.

• Tires and Tracks: Over time, tires (for ATVs) and tracks (for snowmobiles) will wear out and need replacing. The cost varies depending on the brand and type of riding, but this is a necessary upkeep expense.

• Battery Replacement: Batteries typically last a few years, and replacing them ensures your ATV or snowmobile starts reliably. Battery prices vary, so it’s good to keep an eye on this cost.

• Brake Pads, Filters, and Spark Plugs: These small parts are essential to your vehicle's function and may need replacing periodically. If you ride frequently, you may find yourself replacing these components every season or two.

• Winterization and Storage: If you live in a cold climate, winterizing your snowmobile or ATV before storing it is a must to prevent damage. Costs for this service can vary but are usually affordable. If you don’t have space to store the vehicle at home, you’ll also need to budget for a storage facility.

  
  

Maintaining your ATV or Snowmobile is key to avoiding larger, more expensive repairs down the road, so regular servicing is an important part of your budget.

2. Insurance

Insurance is another ongoing cost to factor into your ATV or snowmobile ownership. While it might seem like an optional expense, having the right insurance coverage is crucial for protecting yourself, others, and your vehicle in case of accidents or theft. Costs will depend on various factors:

• Type of Vehicle: Larger, more powerful machines may have higher premiums.

• Your Driving History: Just like car insurance, your driving record can impact the cost of your policy. If you’ve had accidents or violations in the past, your rates may be higher.

• Location: In some areas, especially those with high theft rates or harsh weather conditions, insurance may be more expensive.

• Coverage Type: You can opt for comprehensive coverage or liability coverage, with prices varying based on the level of protection you choose.

  
  

Before getting pre-approved, it’s wise to get insurance quotes to understand what your premiums will be. Factor this into your monthly or yearly budget to ensure you're fully covered.

3. Registration and Licensing

In Canada, like other vehicles, ATVs and snowmobiles require registration with the appropriate government authority. This registration is necessary for legal use on public land and trails. The cost varies by province and can include:

• Registration Fees: These are typically a one-time cost when you first purchase the vehicle, but you may need to renew the registration annually.

• License Plates or Stickers: Some provinces may require license plates, while others issue registration stickers that need to be affixed to the vehicle.

  
  

Be sure to check the specific requirements in your province and include this in your yearly budget.

4. Fuel Costs

Fuel is another ongoing cost that may not be immediately obvious when purchasing your ATV or snowmobile. While these vehicles are generally more fuel-efficient than many other types of machinery, the cost of fuel can still add up depending on how often you ride and how far you travel. ATVs typically use regular gasoline, while snowmobiles may require a specialized type of fuel or a mix of gas and oil.

The more you use your vehicle, the higher the fuel costs will be. To keep these costs manageable, plan your rides ahead of time and be mindful of how much you’re riding each season.

5. Upgrades and Accessories

ATVs and snowmobiles often come with a variety of accessories and upgrades that can enhance your riding experience, but they do come with added costs. Common upgrades and accessories include:

• Helmets and Protective Gear: Safety should always come first. A good helmet, riding gloves, and other protective gear are essential, especially if you’re riding on trails or in challenging conditions. Budget for these items, as they can range from a few hundred to over a thousand dollars for top-quality gear.

• Cargo Racks, Saddlebags, or Tow Kits: If you plan on using your vehicle for work or long trips, accessories like cargo racks and saddlebags can make your ride more practical.

• Custom Features: Some owners enjoy customizing their ATVs or snowmobiles with custom paint jobs, graphics, or additional performance parts. These costs can vary, but it's important to factor them in if you plan to personalize your vehicle.

  
  

These accessories and upgrades are an optional cost, but they can improve your overall experience and safety.

6. Unexpected Repairs

While regular maintenance can help prevent major breakdowns, there may still be times when something unexpected happens. It could be an issue with the engine, a mechanical failure, or even accidental damage. Setting aside an emergency fund for repairs can help you avoid financial stress when something goes wrong.

Some dealerships and manufacturers offer extended warranties, which can help cover the cost of unexpected repairs after the initial warranty expires. If you're unsure about this option, it's worth discussing with your dealer before purchase.

To Summarize;

Owning an ATV or snowmobile can be a thrilling and rewarding experience, but it’s important to be aware of the true cost of ownership. Beyond the purchase price, ongoing expenses like maintenance, insurance, registration, and upgrades can add up. By budgeting for these costs and planning ahead, you can ensure that your machine investment remains affordable and enjoyable for years to come.

At Yes Drive, we want you to ride with confidence. If you’re ready to take the next step and purchase your dream ATV or snowmobile, contact us today! We offer flexible financing options and can help you find the perfect machine for your needs, all while making sure you’re prepared for the costs of ownership.