Do I Need to Insure My Snowmobile?

Not all states require that snowmobiles be insured. But, whether your state requires snowmobile insurance or not, you’re still financially responsible for property damage or personal injury it causes. To help cover the costs associated with repairing a damaged snowmobile, and to protect your assets, you should consider purchasing the following types of snowmobile coverage.

Types Of Coverage

  • Personal Injury Liability: This coverage applies to injuries you cause to someone while you’re using your snowmobile.
  • Property Liability: If you damage someone’s belongings while using your snowmobile, property liability coverage may protect you.
  • Personal Injury Protection: Injuries you or your passengers sustain while operating your snowmobile may be covered by personal injury protection.
  • Comprehensive: Comprehensive insurance covers damage your snowmobile sustains that is not a result of a collision. Examples include theft, fire, or hail.
  • Collision: Collision coverage can help pay for damage caused to your snowmobile by collision with another snowmobile, or an object such as a fence or tree.

How much does snowmobile insurance cost?

How much you’ll pay for snowmobile insurance depends on several factors, including the type of coverage you buy and the value, make and model of your snowmobile. The state or area you live in, the age of the driver, and whether you choose year-round or seasonal coverage can also impact how much you’ll pay.

How can I save money on snowmobile insurance?

One of the best ways to save money on insurance is by bundling. Ask your insurance agent if you can reduce your snowmobile policy premium by bundling it with your auto insurance policy.

Remember, all insurance policies are not created equal. Before you hit the trails, make sure you fully understand your policy coverage as well as any exclusions. If you need help finding a snowmobile policy that meets your needs, or you’re wondering whether the policy you have is adequate, give an agent a call.