Snowmobile Insurance
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Snowmobile Insurance | A Comprehensive Guide 2024

Welcome to our comprehensive guide on finding the ideal snowmobile insurance to ensure worry-free winter adventures for snowmobile enthusiasts like yourself. Like cars and other vehicles, snowmobile insurance offers options like liability, comprehensive, and collision coverage. Moreover, you can enhance your policy with add-ons like underinsured motorist or accessory coverage for more protection.

Most major snowmobile insurance companies readily provide coverage for snowmobiles, and the good news is that snowmobile insurance is generally quite affordable, with premiums averaging around $15 per month.

As you explore this guide, we’ll delve into the various types of coverage available and vital factors to consider when selecting the perfect policy for your snowmobile.

Types of Snowmobile Insurance

Similar to insurance for other off-road vehicles such as ATVs, dirt bikes, and UTVs, snowmobile insurance functions to safeguard both you and your vehicle. While each company may offer slightly different options, you can typically obtain liability, comprehensive, and collision coverage for your snowmobile.

1. Liability

Liability insurance for snowmobiles covers two categories of damage: bodily (injuries to others) and property (damage to vehicles, buildings, etc.) that you may cause while riding.

2. Comprehensive

Comprehensive snowmobile insurance covers non-collision damages, such as animal contact, weather incidents, vandalism, and theft.

3. Collision

Finally, collision will help repair or replace your snowmobile if it’s damaged in an accident, regardless of who is at fault.

Snowmobile Insurance Add-Ons

Outside of the basic affordable snowmobile insurance options, there are various add-ons available for purchase. These options include the following:

  • Additional collision: If you’re concerned about potential accidents damaging your snowmobile, you can typically buy extra coverage for added protection.
  • Increased liability: By obtaining additional liability coverage, you can safeguard yourself in case of potential lawsuits that may occur.
  • Uninsured/underinsured motorist: In the event of a collision with an underinsured driver, this add-on protects your snowmobile.
  • Accessory coverage: This add-on protects snowmobile equipment and custom upgrades, including gears, and helmets.
  • Year-round coverage: This add-on extends coverage for your snowmobile throughout the entire year, not just during winter months.
  • Tow and transport coverage: This add-on provides protection for your snowmobile during transport, making it ideal for camping trips and other travel.
  • Aftermarket parts: This add-on allows you to obtain coverage for upgrades and accessories not typically covered by standard insurance for your snowmobile.

Remember that various insurance companies provide different add-ons. To ensure you get the desired coverage, discuss with your insurance agent the add-ons their company offers and their importance to you.

Which States require Snowmobile Insurance?

Out of all the states, only Pennsylvania, Vermont, New York, North Dakota, and South Dakota mandate snowmobile insurance. In most cases, liability insurance is sufficient to meet these requirements. However, many states typically require registration of the vehicle instead of insurance.

Make sure to review your state’s guidelines to determine whether you need registration or specific equipment to legally ride a snowmobile. Usually, you’ll need to pay an annual or biannual registration fee to your state’s park services administration.

Tips to Choose the Right Insurance Policy

Selecting the appropriate snowmobile insurance policy can be daunting, but nevertheless crucial for good coverage. Here are some tips to assist you in making the right choice.

  • Decide Your Coverage Needs: Evaluate the value of your snowmobile and the risks you encounter while riding. Determine whether comprehensive coverage is necessary or if liability coverage would suffice.
  • Shop Around: Get quotes from insurance companies to compare prices and coverage options.
  • Consider Discounts: Some insurance companies offer discounts for safe driving or multiple policies.
  • Read the Policy Carefully: Ensure you understand the coverage and any limitations or exclusions before purchasing the Policy.

Best Snowmobile Insurance Companies

Finding insurance online can be more challenging than other types of insurance, like homeowners, renters, or auto insurance. Since it’s not mandatory in most states, you might need to contact an agent by phone or in-person to get a quote, although some companies also offer online quotes.

1. StateFarm

StateFarm Snowmobile Insurance

State Farm does not provide online quotes for snowmobile insurance. To get a policy, you need to visit State Farm’s website and search for an agent in your area that offers insurance. Alternatively, you can call the State Farm hotline to speak with a representative who will connect you with a nearby provider.

2. Nationwide

Nationwide Snowmobile Insurance

Nationwide’s online interface is user-friendly, and obtaining a snowmobile insurance quote is quick, taking just a few minutes. You can purchase a standard policy for approximately $10 per month or $120 per year. Additionally, Nationwide offers the option to check for potential discounts, such as lower costs for experienced drivers or members of riding clubs.

3. Geico

Geico Snowmobile Insurance

Geico does not offer online quotes. On their snowmobile insurance page, you’ll find a summary of coverage and a phone number to inquire about policies. Geico provides year-round coverage for snowmobiles and accessories throughout the U.S., except in Hawaii, North Carolina, Texas, and Washington D.C.

4. Progressive

Progressive Snowmobile Insurance

Progressive offers a straightforward and fast online process. Within five minutes, you can obtain a quote of $148 per year for a standard policy. Their website allows easy customization with additional coverage options like comprehensive and collision. To get the best price, consider purchasing Progressive’s full policy at once to avoid the higher rate of $165 per year.


In conclusion, I would say choose insurance that covers accidents, theft, and property damage. If you are low on budget then assess your needs, compare options, and review policy details for worry-free winter adventures. Stay safe and enjoy your snowmobiling!


Insurance Cost:

Liability coverage is the cheapest type of snowmobile coverage, costing typically between $10 and $20 per month, or $120 to $240 per year.

Why you Need:

Snowmobile insurance is essential for all snowmobile owners. It provides protection from accidents, liabilities, theft, and damages, ensuring peace of mind for your winter adventures.

Purchase Insurance:

You can purchase by contacting an insurance agent or by going directly to an insurance company’s website. Before purchasing, be sure to compare quotes from multiple companies to ensure you’re getting the best price.

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