how much would insurance cost for a 2009 mxz renegade. im 20 and i just want theft and if i crash it. would i not be covered if i crash it? not sure how it works because i dont need insurance in my state but i was just curious how much it would cost. im really lookin into geting a newer rev and i think it would be worth it to get insurance becuase if something happens to it, it wouldnt be too bad. i have friends that have had 4 wheelers stolen a few years ago and they are still paying for them and a sled is worth more then a quad is, for the most part at least.