Snowmobile Insurance

from Gammons Insurance Agency Inc.
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Jan 07, 2015

Is Snowmobile Insurance Really Necessary?

Snowmobiling is a fun family activity, and can be an exhilarating winter sport. Snowmobiling is increasing in popularity nationwide; nearly 50,000 new snowmobiles were registered in the US in 2012 alone. The average cost of a new snowmobile tops $11,000, so it is important that your investment is protected with snowmobile insurance in the event of an accident.

You can learn more about your options for snowmobile insurance We work with several different insurance companies and can help you find a snowmobile policy that meets your individual coverage and budgetary needs.

Is Snowmobile Insurance Required?

Twenty-three states, including Pennsylvania, Minnesota and Wisconsin, currently require operators of snowmobiles to carry insurance. Maine may soon be requiring snowmobilers to carry insurance, and more states could follow suit.

Even if your state does not have insurance requirements, it is a very good idea to purchase a policy. Besides protecting your investment, you can also protect your financial well-being in the event that you are at fault in an accident that harms one of your passengers, another snowmobiler or their property, or even a hiker along the trail.

If you travel across state borders with your sled, having snowmobile coverage will enable you to take your machine to states that do require snowmobile insurance.

Is Snowmobile Insurance Expensive?

There are several factors that can affect the cost of a snowmobile insurance policy, but even the most comprehensive policies tend to be fairly inexpensive. On average, snowmobile owners pay only about $10 a month for their snowmobile insurance. This is a small price to pay for the peace-of-mind you will have knowing that your investment and finances are protected when you cruise the trails.

What Does Basic Snowmobile Insurance Cover?

A snowmobile insurance can cover several things, and may include coverage for bodily injury and property damage liability. You may be liable for injuries or property damage for third parties, including passengers or other snowmobiles, if you cause an accident. You may also be able to find coverage for collision and "other than collision" damages to your sled, including damage from severe weather or fire.


Many policies allow you to insure up to four or five operators for your sled and some will allow you to insure multiple snowmobiles on one policy. You can also often get insurance discounts when you combine your currently held policies with snowmobile insurance.

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