Snowmobile Insurance Coverage Basics

According to the International Snowmobiler Manufacturer’s Association, the average snowmobiler covers more than 1,200 miles each year! Though winter may seem to like it’s ages away, now is the time to start preparing for the colder weather. It’s better to prep your life for winter before the snow actually hits. If you own a snowmobile and are planning to use it this winter season, you should think about insuring your vehicle. Snowmobiles can sometimes be dangerous, so it’s important to consider ways to protect yourself and others from potential harm. These are the things you need to know about snowmobile insurance.


What Does Snowmobile Insurance Cover?

While your exact coverage can vary depending on the coverage you end up choosing, snowmobile insurance usually includes:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • And more


Snowmobile Liability Coverage

Liability coverage can help protect you financially if you are involved in an accident. Depending on what state you are in, you may be required by law to get liability coverage. The amount of coverage required can vary. Talk with your insurance agent to make sure you are meeting your state’s specific laws. There are two types of liability coverage for snowmobiles. They are:

  1. Bodily Injury Coverage

This type of liability coverage helps cover the cost of medical expenses if you are legally responsible. If you accidentally harm another person with your snowmobile, and they have to go to the hospital, your bodily injury coverage may help you pay for some of those expenses.

  1. Property Damage

If you damage someone’s home or property while riding your snowmobile, you may be responsible for the cost of damages or repairs. So, if you are riding along and accidentally hit someone’s fence, your property damage liability coverage may help with those repair costs.


Snowmobile Collision Coverage

Collision coverage is basically when you hit something and you damage your snowmobile, it will help pay for some repairs. This is great if you hit unexpected branches, rocks, or even other snow mobile. Repairs can get expensive, so it’s a good idea to have this type of coverage.


Snowmobile Comprehensive Coverage

This type of snowmobile insurance coverage is damaged from theft, fire or vandalism. Comprehensive coverage is important to have even when it’s not winter. When your snowmobile is in storage, things can still happen. Comprehensive coverage may help cover the cost of repairs in certain situations.


Other Types of Snowmobile Coverage

There are other things that snowmobile insurance can help with. For example, roadside assistance can be useful if you get caught somewhere and need some help. You may also want to think about uninsured/underinsured motorist coverage. This is helpful if you get into an accident and the other motorist doesn’t have the coverage to pay for the damages. In addition, some states may require you to get safety accessories, like helmets.


What is the Cost of Snowmobile Insurance?

While the most basic snowmobile coverage may only be $100 a year, a typical package is probably somewhere around $300-$400 per year. The cost of your insurance package is largely dependent on your snowmobile usage, other factors, and the policy you choose. These are some things that your insurance agent may consider when determining the cost:

  • The make and model of the snowmobile
  • The state or area where you live
  • Where you will ride
  • The age of the driver
  • Whether you will take passengers and/or allow others to ride your snowmobile
  • The intended use (pleasure, business or racing)
  • The deductible
  • Type of coverage you buy and/or optional coverage


Snowmobile insurance is a good thing to have. Even when it’s not snowing out, having coverage can make a financial difference. It’s a good idea to talk to your insurance agent so they can help you get the best coverage for you. Prepare for winter before it gets here and before it’s too late to get coverage! If you live in Connecticut or Massachusetts, you can learn more about your coverage here.


Call an Encharter agent at 888.754.8299 to get any of your insurance questions or concerns addressed. We are always happy to help!


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