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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 19, 2021

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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: Bodily injury you or your passengers sustain in a snowmobile accident 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.

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How much does snowmobile insurance coverage 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 my snowmobile insurance policy?

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.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Free Insurance Comparison

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