Snowmobile Insurance: What Does It Cost?

Snowmobile Insurance: What Does It Cost?

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For basic snowmobile insurance, the average cost is about $180 a year, or $15 a month. However, the amount you'll pay for your snowmobile insurance policy depends on several factors, including the model of your vehicle, your policy's limits and whether you purchase additional types of coverage.

Not many states require you to insure your snowmobile, but those that do likely require only liability insurance. Insurance providers do offer extended coverage options, like comprehensive and collision protection. These additions can raise your premium a great deal — as much as several hundred dollars per year, depending on your provider.

How to get a snowmobile insurance quote

Finding snowmobile insurance online can sometimes be a little more difficult than purchasing homeowners, renters or auto insurance. Since snowmobile insurance isn't required in most states, you'll sometimes need to contact an agent in person or by phone to get a quote — though you can find online quotes too.

Progressive snowmobile insurance

Quick service from a national insurer with snowmobile-specific coverage.
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Progressive's online process is simple and quick. It took under five minutes to receive a quote of $148 a year for a standard policy. Progressive lets you purchase a policy through its website as well as customize it by adding forms of coverage, such as comprehensive and collision. You'll get the best price by purchasing Progressive's entire policy at once to avoid a higher price of $165 per year.

Nationwide snowmobile insurance

Affordable coverage with many ways to save.
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Like Progressive, Nationwide's online interface is easy to use. Getting a snowmobile insurance quote takes only a few minutes. You can buy a standard policy for around $10 a month, or $120 a year. Nationwide allows you to check whether you qualify for any discounts. For example, if you're an experienced driver or a part of a riding club, you're eligible for lower costs from Nationwide.

Geico snowmobile insurance

Geico offers many ways to protect your snowmobile, but you'll have to call an agent to get a snowmobile quote.
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Geico does not let you check snowmobile insurance quotes online. Geico's snowmobile insurance page displays a brief overview of its coverage with a phone number that you can use to get more information about a policy. You can get year-round coverage for your snowmobile and accessories. Geico snowmobile insurance is everywhere in the U.S. except for Hawaii, North Carolina, Texas and Washington D.C.

For a snowmobile insurance quote, call: 800-861-8380

State Farm snowmobile insurance

A large national provider with many local offices that requires you to contact an agent for coverage.
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State Farm does not offer online quotes. To get a policy, you have to use State Farm's website to search for an agent in your area that offers snowmobile insurance. Or, you can call the State Farm hotline to speak with a representative who can connect you with a provider nearby.

For a snowmobile insurance quote, call: 844-242-1899

What's the cheapest snowmobile insurance?

Liability coverage is the least expensive form of snowmobile coverage, costing typically between $10 and $20 per month, or $120 to $240 per year. This means that snowmobile insurance is typically much cheaper than alternative forms of auto insurance: For example, motorcycle insurance costs an average of $519 per year.

Even though a liability policy is a cheap way to insure your snowmobile, it's good to consider its limitations when deciding if you should purchase more coverage. Basic snowmobile insurance only covers damage that you cause to others: If you slam your sled into another rider's snowmobile, your policy would pay for the damage that you caused to the other vehicle, as well as any medical bills for injuries you caused up to your policy's limit. However, you would be financially responsible for your own injuries and damage to your own vehicle.

If you purchase snowmobile insurance, you'll probably want to keep it active year-round. While it may seem like a cost-saving maneuver, canceling your snowmobile insurance during the summer could cause you to face price hikes or be excluded from coverage once you try to renew your policy in the winter.

What does snowmobile insurance cover?

Basic snowmobile insurance comes with liability protection for damage to others that you're responsible for. Like an auto insurance policy, your snowmobile insurance coverage is denoted by numbers and dashes, like this: 25/50/10. If you own this policy, your insurance will pay for $25,000 of bodily damage per person or $50,000 per accident — plus $10,000 of personal property protection.

This type of policy pays $25,000 for injuries that you cause to one other person. If you hit a vehicle that's carrying more than one person, your policy would pay for $50,000 worth of the medical bills that you're responsible for causing. You would have to pay the rest out of pocket if the cost of the injuries exceeds your policy's limit.

If you have a new snowmobile or are a frequent rider, consider purchasing additional coverage, such as comprehensive and collision coverage, in addition to a standard liability policy. These options provide more extensive coverage to your vehicle by protecting it from theft, fire or hitting an animal. With this coverage, you would also be protected from collisions and turnovers no matter who's at fault.

Depending on the price of your snowmobile, it could be a good idea to purchase full recovery insurance. This type of policy pays for you to replace or repair the whole extent of the damage that your sled endures, even if it exceeds your policy's normal limits. If you have a particularly expensive snowmobile, it could be worth the investment.

Which states require snowmobile insurance?

Only five states make you carry snowmobile insurance: Pennsylvania, Vermont, New York, North Dakota and South Dakota. You'll often only need liability insurance to meet the requirements. Rather than insurance, it's much more common for states to require you to carry registration for your snowmobile.

Check your state's guidelines to check whether you need registration or special equipment to ride legally. Typically you'll have to pay an annual or biannual fee for registration with your state's park services administration. Some states require helmets and other protective clothing for its snowmobile riders.

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