Is Snowmobile Insurance Worth It

Is Snowmobile Insurance Worth It? Your Complete 2024 Guide

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Is Snowmobile Insurance Worth It? Every buyer thinks about this question when purchasing a snowmobile. Currently, more than 2 million snowmobiles are registered in the world.

While these unique vehicles can give thrilling, happy, and gratifying experiences, they can pose significant risks to you and your family if not properly protected. Thus having insurance, you may ride with confidence if you have snowmobile insurance.

Your Snowmobile Insurance Guide

Do You Need Snowmobile Insurance?

Is Snowmobile Insurance Worth It
Credit: PolicyBachat

Should I insure my snowmobile? This question might come to your mind whenever you hear the word insurance. Here’s the truth. If you are in the US, then a few states, including Pennsylvania, Vermont, New York, North Dakota, and South Dakota, require you to carry at least liability insurance for your snowmobile. The same holds true for other countries also.

Other states may make insurance optional, but you’ll almost always require a trail permit to access their trails. You must obtain trail permits, which vary in price depending on the region. So having insurance might not seem that important but having it will keep you away from legal trouble.

Why Get It If It Isn’t Always Required?

s Snowmobile Insurance Required
Credit: Syracuse

Snowmobiles are responsible for approximately 200 deaths and 14,000 injuries each year. Understand that if you do not get snowmobile insurance, you will be responsible for any damage or injury caused by your snowmobile.

Not only that, but if your snowmobile were physically damaged, you would be responsible for all repair costs. Even if your state does not mandate snowmobile insurance, these prices alone can make it worthwhile.

Thus, before you ride, an independent insurance professional can explain why snowmobile insurance is vital. Having insurance in the above situations will save you a lot of bucks potentially and we free you from unnecessary trouble.

Do You Know What Snowmobile Insurance Covers?

Snowmobile insurance is designed to cover your particular snowmobile and your liability as the vehicle’s owner and operator. Snowmobile insurance policies might vary depending on your specific needs, but they often cover the following:

  • Liability for bodily injury and property damage: These coverages can assist reimburse you for legal fees if you inflict bodily harm or personal property damage to a third party while riding your snowmobile and they sue you.
  • Uninsured/underinsured motorist coverage: This coverage protects you if a third party collides with your snowmobile and does not have insurance to cover their portion of the damage.
  • Collision Coverage: Collision coverage can help pay you for actual damage to your snowmobile if you collide with another snowmobile or strike a piece of property.
  • Accessories coverage: This coverage will help you get reimbursed for damage to other items associated with your snowmobile, such as a trailer, as well as theft of your other equipment, such as helmets.
  • Comprehensive coverage: This policy can assist in reimbursing you for dangers “other than collision,” such as storm damage, vandalism, and theft of your snowmobile.
  • Roadside assistance: If you’re trapped on the route due to a dead battery or another tragedy, this coverage can help pay for emergency services.

What Does Snowmobile Insurance Cost?

Liability coverage is the most affordable sort of snowmobile insurance, often costing between $10 and $20 per month or $120 to $240 per year.

Basic snowmobile insurance only covers harm to others caused by you: If you collide with another rider’s snowmobile, your policy will cover the damage to the other vehicle as well as any medical bills for injuries you cause up to the amount of your policy. However, you would be financially responsible for your own injuries and vehicle damage.

If you buy snowmobile insurance, you should definitely keep it active all year. While it may appear to be a cost-cutting measure, canceling your snowmobile insurance during the summer may result in price increases or exclusion from coverage when you try to renew your policy in the winter.

In Which States Snowmobile Insurance Is Required?

Currently, snowmobile insurance is required in only five US states: Pennsylvania, Vermont, New York, North Dakota, and South Dakota. To satisfy the requirements, you may only need liability insurance. Rather than insurance, states are more likely to require you to have to license for your snowmobile.

Check your state’s regulations to see if you need registration or specialized equipment to ride lawfully. Signup with your state’s park services office usually requires an annual or biannual fee. Some jurisdictions require snowmobile riders to wear helmets and other protective clothing.

In Canada, Take your proof of insurance with you because snowmobile insurance is required in every jurisdiction in Canada. In addition, you’ll need your snowmobile registration permit and acceptable identification. A driver’s license, a snowmobile license, or a motorized winter vehicle operator’s license are all acceptable.

In New Zealand, vehicle insurance is not required. However, ‘third party insurance,’ which protects you from paying for damage to someone else’s vehicle, is suggested as a bare minimum.

Laws might change with time so make sure to validate from the government office before making any decisions.

Best Snowmobile Insurance Companies United States


Progressive snowmobile insurance Is Snowmobile Insurance Worth It?
Credit: Polaris RZR

Progressive’s online application procedure is straightforward and quick. It takes less than five minutes to get a quote for standard insurance at $148 per year.

Progressive’s website allows you to buy a policy and customize it by adding types of coverage such as comprehensive and collision. To avoid paying a higher price of $165 per year, purchase Progressive’s complete policy at once.

You can learn more about them by clicking here to visit their site.


Credit: Nationwide

Nationwide’s web interface, like Progressive’s, is simple to use. It only takes a few minutes to obtain a snowmobile insurance estimate. Standard insurance costs about $10 per month or $120 per year.

You can use Nationwide to see if you are eligible for any savings. For example, if you’re a seasoned driver or a member of a riding club, Nationwide may offer you reduced rates.

You can learn more about them by clicking here to visit their site.


Credit: Policygenius

Geico does not provide online snowmobile insurance rates. Geico’s snowmobile insurance website provides a brief overview of its coverage as well as a phone number to call for more information on a policy.

You can get security for your snowmobile and accessories all year. Except for Guam, North Carolina, Texas, and Washington, D.C., Geico snowmobile insurance is available throughout the United States.

You can learn more about them by clicking here to visit their site.

State Farm

Credit: Mitch Insurance

State Farm does not provide internet quotations. To obtain a policy, go to State Farm’s website and look for a snowmobile insurance agent in your area.

Alternatively, you can contact the State Farm hotline and talk with a representative who will connect you with a provider in your area.

You can learn more about them by clicking here to visit their site.

Sled Insure

They are an insurance firm that specializes in snowmobile insurance. In fact, they are the nation of biggest snowmobile insurance agencies!

Other recreational goods that they cover include boats, ATVs, side-by-sides, snow bikes, motorcycles, motorhomes, and travel trailers. Sled Sure ride and know sleds, and know how to locate the best coverage at the best price.

You can learn more about them by clicking here to visit their site.

Best Snowmobile Insurance Companies Canada

Aviva Canada

You can learn more about them by clicking here to visit their site.

Intact Insurance

Intact Insurance
Credit: ThinkInsure

You can learn more about them by clicking here to visit their site.

Netsurance Canada

Credit: Netsurance

Netsurance Canada strives to make the process of obtaining insurance and surety bonds as easy and straightforward as possible. With digital applications, signatures, quotes, and purchases, they are primarily focused on online solutions. They are insurance brokers, not insurance salespeople! This implies that they represent a number of insurance companies rather than just one. This allows you to obtain the insurance you require at the most competitive prices.

You can learn more about them by clicking here to visit their site.

RBC Insurance

RBC Insurance
Credit: PNGitem

RBC InsuranceĀ® provides individual, business, and group clients with life, health, home, car, travel, wealth, and reinsurance advice and solutions, as well as creditor and business insurance services.

You can learn more about them by clicking here to visit their site.


Allstate’s knowledgeable and professional team of agents can provide you with the dependable and complete ATV insurance in Ontario that you require.

Their local agents throughout the province will happily answer any questions or address any concerns you may have in order to get your ATV or snowmobile protected and on the road.

They’ll make it simple and straightforward, so you can feel assured that Allstate has you covered. To get started, request an online quote immediately.

You can learn more about them by clicking here to visit their site.

Best Snowmobile Insurance Companies Australia

Simply IOA

You can learn more about them by clicking here to visit their site.

This concludes our article on Is Snowmobile Insurance Worth It?. We hope you found this article useful. Make sure to like and share this with your friends. You can also comment down your suggestions.

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FAQs (Frequently Asked Questions)

Do you need insurance on snowmobiles in NY?

Snowmobiles operating on any portion of a roadway or highway shoulder in New York State must have minimum liability insurance.

Do you need insurance to drive a snowmobile on a lake in Ontario?

Every snowmobile registered in Ontario or entering the province must be insured.

Do you need snowmobile insurance in NH?

Anyone in New Hampshire who possesses a snowmobile should insure it with a snowmobile policy. This encompasses both residents of the state who own snowmobiles and out-of-state residents who have a second home in the state for winter activities and keep a snowmobile there.

Do you need insurance on a snowmobile trail in Ontario?

The following (minimum) coverages are required by legislation for your snowmobile. Third-party liability coverage of at least $1,000,000 to protect you in the event that another person is killed or hurt, or his or her property is destroyed.

Is it OK to snowmobile alone?

Never ever ride alone. It is highly advised that you never snowmobile alone and always use the buddy system.

Are snowmobile accidents common?

Each year, nearly 200 people are killed and 14,000 are injured in snowmobile incidents. The main causes of crashes are mentioned as alcohol, excessive speed, poor judgment, and driver inexperience. Roadways, highways, and public and private paths all have accidents. Snowmobile mishaps can occur for a variety of reasons.

Is a snowmobile considered an automobile?

ATVs, snowmobiles, boats, construction vehicles, and golf carts are examples of “automobiles” in addition to conventional vehicles such as cars or trucks.

Why is snowmobile insurance so expensive?

If you have an expensive machine, the expense of your snowmobile insurance will be higher. This is to cover the expense of replacement if it is stolen or wrecked. More comprehensive coverage will also be more expensive.

Do I need insurance for a snowmobile?

To drive a snowmobile in some states, you must have minimum liability insurance. Some areas that permit snowmobiles also require insurance. If you are ever in a snowmobile mishap, your minimum liability may cover the injuries and property damage you cause to others.

About the author
Rahul Gupta


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