My parents pole barn burnt up about 6-8 yrs ago with a 2 yr old quad Can Am quad in it. Homeowners insurance didn't cover it. If your only gonna ride it on private land ya don't need a plate. If you plan on taking it to state land or trails ya need one. They don't do stickers anymore, just plates for ATVs. I got a sticker for my snowmobile tho, since snowmobiles aren't titled.....I got the sticker so I'd be legal for accessing the lake thru state parks on erie.