UTV or ATV: What is the Best Off-Road Terrain Vehicle for Me?

A UTV (Utility Terrain Vehicle) or an ATV (All-Terrain Vehicle) can be a great addition to your home, farm, or cabin. Whether you’re using it for recreation, quick local travel, or as part of your farm or business, there’s a lot to consider when purchasing your new vehicle. We’re here to help you understand the difference and which vehicle will best fit your needs.

What’s the difference between a UTV and an ATV?

While the differences are slight, understanding the functionality of these two types of vehicles can help you make the right choice for your needs. ATVs are typically only one seat, are better at maneuvering tight spots and rough terrain, and are more often used recreationally. Side-by-Side UTVs still can be used for recreational purposes but usually have 2-4 side-by-side seats and are built for hauling and towing on rough terrain. They are more maneuverable and fit in more spaces than a traditional vehicle.

Which Vehicle is Right for Me? 

If you’re wondering which vehicle will best fit your needs, we’ve compiled a list of various ATV and UTV uses to help you decide what to purchase.  

A Vehicle For the Farm

If you’re looking for a hearty vehicle with the ability to hold higher capacity, a UTV is probably what’s best for you. With multiple seats and towing/load capacities from 1,000 to 4,000 pounds depending on the vehicle. This will help you carry feed, supplies, fertilizer, water, and whatever else you need to run a successful agricultural business. While an ATV could still help you get around and manage rough terrain, you are limited to what you can haul. 

A Recreational Vehicle For the Cabin

If you’re hoping for something to go out on the local trails with or to have a fun vehicle for weekends at the cabin, an ATV might be what you’re looking for. The most common type of ATV is a four-wheeler, but there are also Sport ATVs for thrill-seekers looking for tighter turns and faster acceleration. 

A Hunting Vehicle

If you’re an avid hunter looking to get into more remote, rugged locations, a UTV can help. With seats for multiple passengers and a cargo area for all your equipment, the UTV has the features and the hardiness you need for your next hunting trip. If you’re not hunting on private land, be sure to check the local rules for motorized vehicles. 

A Vehicle for Winter Activities 

As Minnesotans, we love our winter activities. Whether ice fishing, hunting, or winter camping, an ATV could be your new best friend. With flexible mobility for both ice and snow, an ATV can help you make it out to your fishing house or get through the woods in the snow to your favorite camping site. 


Whichever terrain vehicle you decide to purchase, let our professionals at First Independent Bank help you with your vehicle financing. From our Recreational to Agricultural Loans, we have the knowledge and experience to get you in the driver’s seat in no time. Reach out today to discuss your options! 

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