How Much is Snowmobile Insurance? (Avg. Cost Saving Tips)

The cost of snowmobile insurance can vary depending on the type of coverage you want and the provider you choose. On average, riders pay about $200 a year, which is just under $20 a month.

Hi, my name is Chaz and I’ve been riding snowmobiles for almost 30 years. I love all things sports and have owned several different machines. This has given me a lot of experience researching and paying for insurance.

Reading: How much is snowmobile insurance

In this article, I’ll break down the cost of snowmobile insurance to give you an idea of ​​what you’ll pay. I’ll also show you the differences between basic and more expensive coverage and why you might want one of the others.

stay safe and secure.

the cost of snowmobile insurance

Just like insuring a car, you have options when it comes to coverage on a snowmobile. You can choose from different providers and different policies that will give you different amounts of protection.

The average cost of insurance I’ve paid over the years is around $200 a year. this comes down to less than $20/mo which seems very reasonable to me.

I insure my snowmobiles in colorado and use allstate as my provider. It’s important to know that the coverage options available to you will differ based on price and location.

I usually just get liability coverage since it’s cheaper. If you choose an option with better coverage that will have a lower deductible and protect your sled from damage, you can expect to pay a little more than the average cost.

You might pay $500 a year for the more expensive side, which is just over $40 a month.

how does snowmobile insurance work?

Snowmobile insurance works just like your car insurance. you pay a monthly or annual premium, and you are covered in case of accident or theft.

many states require you to have insurance on your snowmobile to operate it. Even if they don’t, I’d recommend buying a basic policy because it’s relatively cheap and can save you thousands if something terrible happens.

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Once you choose a provider and type of coverage, you’ll have protection that will cover the cost of damages and injuries.

A basic liability plan (which is what I use) will pay a certain amount for injuries sustained in an accident and cover damage to personal property, which would be the snowmobile.

This basic policy does not cover damage to my machine if I destroy it, only the machine I crash into. I am a safe driver and have never been in a snowmobile accident, so I am comfortable with the basic amounts of coverage.

If you want more peace of mind or feel more at risk of having an accident that could cause damage to you or your sled, you can get a more comprehensive insurance policy that covers this. you will simply pay much more for it.

how to save money on snowmobile insurance

There are some easy ways to save money on snowmobile insurance.

drive safely

The first is to drive safely and limit the risk of an accident. The more accidents or claims you have, the higher your insurance premiums will be. once you’ve wrecked a few snowmobiles, it can be difficult (or impossible) to get cheap insurance.

bundle your coverage

I use the same insurance provider for my snowmobiles as I do for my cars. By bundling these policies, I can take advantage of provider discounts and save a little money on both.

maintain coverage throughout the year

It may seem strange to pay for snowmobile insurance during the summer months when you’re not riding. but this can save you money because providers will charge you more to set up a new policy.


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always get a few different quotes from several insurance companies before making a decision. these policies can sometimes be quite different, and one provider may cost much less than another.

how to choose snowmobile insurance

When getting insurance for your snowmobile, you must choose both a provider and a policy.

If you already have a relationship with a provider, I’d recommend asking them about snowmobile coverage, as you may be able to bundle policies together and save some money. if not, look at any of the major insurance providers in your region.

every big name in insurance (allstate, geico, state farm, etc.) should offer a snowmobile policy. If you choose a lesser known company, just make sure they have a good reputation and read some customer reviews.

Which policy you choose is a personal decision that comes down to your budget and how much coverage you think you’ll need.

for me, basic liability coverage is enough. I also make sure I have theft protection on the policy in case it’s ever stolen. If you run or have been in multiple accidents, it might be a good idea to get more extensive coverage.

frequently asked questions

Here are some common questions related to the cost of snowmobile insurance.

why is snowmobile insurance so expensive?

The cost of your snowmobile insurance will be higher if you have an expensive machine. this is to cover the replacement cost if it is stolen or vandalized. more extensive coverages will also cost more.

Do I need insurance for my snowmobile?

Depends on where you live and have your snowmobile registered. Some states, like New York and Vermont, require at least one liability insurance. others have no requirements at all.

how does snowmobile insurance work?

Snowmobile insurance works basically the same way as auto insurance. A policy will provide compensation and protection against injury, damage and theft.

the final invoice

While you don’t need snowmobile insurance in every state, I’d still recommend it. For me, paying around $20/mo is worth the peace of mind that I’ll have help in the worst case scenario.

How much do you pay for snowmobile insurance? Which provider do you use? Let us know in the comments below!

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