Best Snowmobile Insurance (2022)

Snowmobile insurance might not be the first thing you think of when talking about snowmobiles, but it can be a great investment to protect your vehicle. The best snowmobile insurance will protect you from paying out-of-pocket for damages you cause, damages done to your vehicle, and any medical issues from accidents. As a bonus, snowmobile insurance is typically very affordable.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • Snowmobile insurance is similar to car insurance in that you can purchase liability, comprehensive, and collision
  • You can also buy a variety of add-ons to obtain more coverage on your snowmobile, such as underinsured motorist or accessory coverage
  • Most major insurance companies will cover your snowmobile
  • Snowmobile insurance is typically very affordable at approximately $15 per month

Snowmobiles are both a fun way to spend a winter’s day and a valuable cold weather tool. Unless you utilize a snowmobile for work purposes, you might not know that you can get insurance coverage on it.

Similar to car insurance, snowmobile coverage protects damage to your vehicle as well as detriment you might cause to other vehicles, property, and even people.

As a type of off-road insurance, there are some key differences between coverage for your car and snowmobile. Your car needs considerably more coverage and you’re more likely to make a claim. Snowmobile insurance is much less expensive for this reason — you’ll need less coverage and probably won’t make a claim.

Finding snowmobile insurance is relatively easy, and comparing quotes from multiple companies can save you money. If you want to determine what rates might look like for you, enter your ZIP code into our free tool today.

What is snowmobile insurance?

Snowmobile insurance works the same way as that of other off-road vehicles, like ATVs, dirt bikes, and UTVs.

You can purchase snowmobile insurance to protect you and your vehicle. While every company is different, you can usually buy liability, comprehensive, and collision coverage for a snowmobile.

Liability covers damage you cause if you hit something with your snowmobile. The damage that liability will cover falls into two categories: bodily and property. Bodily liability helps compensate medical bills for drivers or pedestrians you injure. Property liability covers vehicles, buildings, and any other physical damage you might cause.

Comprehensive covers damage caused outside of collisions, which can be especially useful for snowmobiles. This type of insurance covers detriment caused by animal contact, weather incidents, vandalism, and theft.

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

What does snowmobile insurance cover?

Outside of the basic affordable snowmobile insurance options, there are numerous add-ons that you can purchase.

These options include the following:

  • Additional collision – If you’re worried about an accident damaging your snowmobile, you can generally purchase additional coverage.
  • Increased liability – Additional liability coverage will protect you if you’re concerned about lawsuits.
  • Uninsured/underinsured motorist – While car insurance is legally required by most states, not every driver has insurance. Snowmobile insurance is less common as well. If a driver hits your snowmobile with inadequate insurance, this add-on will protect you.
  • Accessory coverage – Snowmobiles come with a lot of equipment. This add-on protects your windshield, riding gear, eyewear and helmets, and other custom upgrades.
  • Year-round coverage – A lot of snowmobile insurance plans cover your vehicle during the winter months. With this add-on, your snowmobile will be covered all year long.
  • Tow and transport coverage – If you bring your snowmobile when you go camping or on other trips, this add-on will protect it during transport.
  • Aftermarket parts – There are several upgrades and accessories that you can purchase for your snowmobile, but those parts aren’t typically covered by standard insurance. However, you can purchase coverage for them with this add-on.

Keep in mind that different companies offer different add-ons. Ask your insurance agent what their company offers if any of the above add-ons are important to you.

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What companies sell snowmobile insurance?

While snowmobile insurance might sound like a rare type of coverage, several major insurance companies offer it:

  • Allstate
  • Nationwide
  • Progressive
  • American Family
  • Dairyland
  • Sled Insure
  • Safeco
  • Amica

You have many options regarding snowmobile insurance rates, which is why it’s crucial to compare rates. For example, State Farm snowmobile insurance offers many coverage options, but it’s not necessarily the most affordable. If you select your first option, you’ll likely pay more than necessary.

Is snowmobile insurance expensive?

While there are factors that can make it pricey, snowmobile insurance tends to be very affordable.

If you’re looking for the most affordable option, a liability-only policy is your best choice. Usually, a liability policy for snowmobiles costs between $10 and $20 a month. That makes it one of the most affordable options for vehicle insurance on the market. For example, off-road motorcycle insurance averages $43 per month.

The least expensive option isn’t always the best snowmobile insurance, though. If something happens to your snowmobile, liability won’t help you repair it or replace it. Liability will cover the bills for damage you cause to people and property — within your limits. You’ll be responsible for any bills concerning your vehicle.

Therefore, it’s a good idea to purchase collision and comprehensive insurance. While you’ll pay slightly more for it, it will help protect your snowmobile.

Several factors affect the price of your insurance. For example, New Hampshire snowmobile insurance quotes will differ from those for Maine snowmobile insurance. This is another good reason to compare prices, as companies will be more expensive in some states than others.

If you’re concerned about the cost, it might be tempting to cancel your insurance during the summer. However, a lapse in coverage can actually make your future insurance rates increase. Some companies will even deny you coverage if you have too many gaps in your insurance history.

Is snowmobile insurance worth it?

If you have one, it’s probably worth it to buy snowmobile insurance. Additionally, some states, like Pennsylvania, North Dakota, South Dakota, New York, and Vermont require coverage on your snowmobile.

States that require snowmobile insurance typically only requisite liability. As stated earlier, liability-only is relatively affordable. Most states, however, require registration for a snowmobile. If you don’t know what the laws are in your state, you can visit your state’s MVD page.

In general, it’s worth getting coverage on any vehicle you own. New snowmobiles cost, on average, between $9,000 and $16,000. That’s a significant investment to lose if something happens to your snowmobile.

Additionally, insurance protects you from legal issues if you hit something or someone. You can be sued for damages, which can cost tens of thousands of dollars. However, having liability coverage on your snowmobile can protect you.

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Find the Best Snowmobile Insurance Today

While most states don’t require it, snowmobile insurance can be a great investment. Whether you use your snowmobile for fun or work, insurance can ensure that you will ride it for years to come.

If you’re interested in coverage, comparing rates from snowmobile insurance companies can help you save money. Enter your ZIP code into our free tool if you’re ready to discover what insurance quotes might look like for you.

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