AllState let me put any value i wanted on it.  I insured it for 5k.  I dont remember what my premium was.

Now im with StateFarm and they cover blue book (which is around 2200 - 2500)  They'll also cover upgrades minus motor ones.  ie Pipe, suspension, etc.  So long as you have receipts.

Costs me $60 a year.

Edit***

NADA says $1455 in excellent condition now.. damn, a lot has changed.  I guess it has been about 8 years since i checked.

Looks like i need to go back to allstate for my wheeler.  Also, i think progressive has decent atv coverage.  I know i got a quote from them about it once.