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Snowmobile Insurance Options & Requirements

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Snowmobiling is one of the best ways to enjoy the winter and explore the mountains. But, just like any powersport, riding and owning a snowmobile carries risks. 

Luckily, you’ve got options when it comes to snowmobile insurance (in fact, some places will require it). 

Learn about your options and requirements for an insurance policy for your snowmobile, and keep yourself and your sled protected. 

Do people insure snowmobiles?

Yes, people buy insurance for their snowmobiles. 

Just like a dirt bike, ATV, or UTV, snowmobiles require an insurance policy of their own if you want to be covered. 

In some states and riding areas, you will be required to carry at least a minimum liability coverage policy. 

Snowmobile Insurance Requirements

Snowmobile insurance requirements vary from state to state, and may also be required to ride in certain parks, public lands, or snowmobile trails. 

Even when it’s not required, having insurance coverage for your snowmobile is the smartest choice. 

You’ll be able to protect yourself financially, and you’ll be able to repair or replace your sled in a variety of scenarios. 

When required, you’ll at least need to carry a snowmobile insurance policy that meets your state’s liability coverage requirements (bodily injury and property damage). 

As you go through the quote process, the insurance provider or your snowmobile insurance agent will make sure that your policy satisfies the requirements for your state. 

Which states require snowmobile insurance?

In some places where snowmobiling is particularly popular, an insurance policy is required to register and ride your sled. 

The following states require that you carry snowmobile insurance:

  • New York. 
  • North Dakota. 
  • Pennsylvania.
  • South Dakota.
  • Vermont. 

Note that while many states don’t require a snowmobile insurance policy, you’ll still usually need to license and register your sled. 

Do you need snowmobile insurance in your state?Snowmobile Insurance Requirement
New HampshireNo
New JerseyNo
New MexicoNo
New YorkYes
North CarolinaNo
North DakotaYes
Rhode IslandNo
South CarolinaNo
South DakotaYes
Washington DCNo
West VirginiaNo

Types of Snowmobile Coverages

Just like a dirt bike or ATV insurance policy, you’ll have options when it comes to the type of coverage you can get. 

The right coverage for you will depend on your budget, your circumstances, your risk tolerance, and the value of your snowmobile. 

The most common types of snowmobile insurance coverage includes:

  • Bodily Injury and Property Damage Liability Coverage. 
  • Collision Coverage.
  • Comprehensive Coverage. 
  • Uninsured/Underinsured Motorist Coverage.
  • Medical Payments. 

Other optional coverages that may be offered by your insurance provider include:

  • Equipment and accessory coverage. 
  • Trailer coverage. 
  • Towing coverage. 
  • Replacement sled coverage. 

Learn more about what snowmobile insurance covers here. 

Does a homeowner’s insurance policy cover a snowmobile?

Unfortunately, no, your homeowner’s or renter’s insurance policy will generally not cover damages to your snowmobile. 

You will need a specific policy for your snowmobile to make sure it’s fully protected. 

Should you cancel your snowmobile policy in the summer?

While you won’t be riding your snowmobile after the snow has melted, you should still keep your insurance coverage. 

Damage and theft can still occur during the off-season, and if you cancel your policy, you won’t be covered. 

If you’re looking to save money while storing your snowmobile, you may consider removing coverages that you won’t need, increasing your deductibles, or lowering your limits. 

Learn more about this topic here: Should you cancel your motorcycle insurance policy during the winter?

How to Get a Snowmobile Insurance Quote

Getting a snowmobile insurance quote is easy!

You’ll have the option of getting a quote through one of the major insurance carriers or through your local snowmobile insurance agent. 

Fortunately, you can begin comparing quotes online. 

Here’s the information you should have ready:

  • Your name, address, and driving history. 
  • Your snowmobile VIN, year, make, model, engine size, and features. 
  • How often you ride.
  • The coverage, limits, and deductibles you need. 
  • Any discounts you may qualify for. 

The cost of snowmobile insurance will vary from person to person depending on a variety of factors. You can learn how to get the cheapest snowmobile insurance here. 

While you’re crunching the numbers, get an idea of the cost of snowmobiles too.

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Content Editor: Ethan Orenstein

Ethan is not just any motorcycle enthusiast. With a decade of experience riding, maintaining, and restoring a range of motorcycles, Ethan brings a wealth of knowledge to the table. Many of the tips and tricks shared on this site are born from hours spent wrenching on personal bikes. Paired with his experience as a journalist covering DMV & insurance topics, MotorcycleZombies.com is a must-visit site for any home-mechanic. Every article has been carefully reviewed and edited to ensure accuracy, authenticity, and simplicity - all to help bring your bike back from the dead and onto the road.

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