Snowmobile Insurance: What Does It Cost?

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The average cost of basic snowmobile insurance is about $180 per year, or $15 per month. However, the cost of 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 — sometimes as much as several hundred dollars per year, depending on your provider.

What's the cheapest snowmobile insurance?

Liability coverage is the cheapest 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 know its limitations so you can decide if you should purchase more coverage. Basic snowmobile insurance only covers the 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 mean that you'll face price hikes or may be excluded from coverage once you try to renew your policy in the winter.

How to get a snowmobile insurance quote

It's more difficult to find snowmobile insurance online than it is to purchase home, renters or other forms of 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, but online quotes are available.

Progressive snowmobile insurance: Progressive's online process is very simple. It took under five minutes to receive a $148 annual quote for a standard policy, which you can purchase through the insurer's website. Progressive also gives you the ability to customize your policy by adding forms of coverage, such as comprehensive and collision. You have to purchase Progressive's entire policy at once to avoid a price of $165 per year.

Nationwide snowmobile insurance: 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 per month, or $120 per year. Nationwide also 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.

State Farm snowmobile insurance: State Farm does not offer online quotes. Instead, if you want to get a policy you'll have to use State Farm's website to search for an agent in your area that offers snowmobile insurance. You can also call the hotline on the website to speak with a State Farm representative who can connect you with a provider nearby.

GEICO snowmobile insurance: GEICO also does not allow you to find quotes online. GEICO's snowmobile insurance page displays a brief overview of its snowmobile insurance coverage with a phone number that you can use to get more information about a policy. You have access to snowmobile insurance from GEICO everywhere in the U.S. except for Hawaii, North Carolina, Texas and Washington D.C.

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 with $25,000 of bodily damage per person or $50,000 per accident — plus an additional $10,000 of personal property protection.

This type of policy pays $25,000 for one other person's injuries that you cause. 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 if you're a frequent rider, you should consider purchasing additional coverage. You could purchase 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 allows 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, this could be a good investment.

Which states require snowmobile insurance?

Only five states make you to carry snowmobile insurance: Pennsylvania, Vermont, New York, North Dakota and South Dakota. You'll often only need liability insurance to meet the requirements, but you should check your state's guidelines to check whether you need registration or special equipment to ride legally.

Instead of insurance, it's much more common that you'll have to carry registration for your snowmobile. Typically you'll have to pay an annual or biannual fee for registration with your state's park services administration. Some states even require helmets and other protective clothing for its snowmobile riders.

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