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Average Cost of Snowmobile Insurance (How to Get the Cheapest Policy)


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Just like auto or motorcycle insurance, there are a variety of factors that go into determining the costs of your snowmobile insurance premiums. 

The main ones include:

  • Your age and demographics. 
  • Your driving history. 
  • Your riding experience. 
  • Where you live, where you ride, and where you keep your sled. 
  • The type of snowmobile you have. 
  • The year, make, model, and size snowmobile you have. 
  • How often you ride. 

Additionally, your rates will depend on the type of coverage you choose, the limits you set, and your deductibles. 

You can learn more about your options and requirements for snowmobile insurance here. 

Remember, it’s a good idea to think about your policy premiums when you are trying to determine the total cost of snowmobile ownership.

How much does snowmobile insurance cost?

Your annual and monthly cost of snowmobile insurance will depend on the factors described above and the coverage you choose. 

If you only opt for the minimum liability coverage, you can expect to pay anywhere from $10 to $20 per month, or $120 to $240 annually. 

If you choose a full coverage policy, you can expect to pay a little more. A full coverage snowmobile policy may range for $40 to $75 per month, or about $400 to $1,000 per year.

Snowmobile Policy TypeMonthly CostAnnual Cost
Minimum Coverage$10 to $20$120 to $240
Full Coverage$40 to $75$400 to $1,000

Learn more about what snowmobile insurance covers here.

How to Get the Cheapest Snowmobile Insurance

There are a few different ways to make sure you’re getting the cheapest snowmobile insurance that still provides you with the coverage you need. 

First, you’ll need to consider your monthly budget, the value of your sled, and your appetite for risk. 

The easiest way to get the cheapest policy is to begin comparing quotes from a handful of different snowmobile insurance providers. 

Obviously, the cheapest policy will be one with the state’s minimum amount of liability coverage, but that won’t always give you the best protection. 

If you’re looking for a full coverage policy for a cheap as possible, your options include:

  • Lowering your policy limits. 
  • Raising your deductibles. 
  • Qualifying for snowmobile insurance discounts. 

Snowmobile Insurance Discounts

Discounts are a great way to save on all of your insurance policies. 

Some of the common snowmobile insurance discounts you may qualify for include:

  • Multi-policy and bundling discounts. 
  • Pay-in-full discounts. 
  • Snowmobile safety course discounts. 
  • Anti-theft device discounts. 
  • No claims or accidents discounts. 

You may be able to apply these discounts when you complete a quote, or you may need to contact your insurance provider to add them to your policy premiums. 

Your best best will always be to shop around and compare. 

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