Snowmobile Insurance

Bodily injury coverage helps pay for medical bills and repairs to fix any damage to property if you’re in an accident and someone is injured or you hit personal property, like a fence or another vehicle. Standard snowmobile insurance, required by many states and riding parks, includes this type of coverage.

Uninsured/underinsured motorist coverage protects you if you get into an accident and the other driver doesn’t have insurance—or doesn’t have enough.

Medical payments coverage typically pays for expenses like doctor visits, X-rays, surgery, and hospital stays, regardless of who’s at fault.

Collision coverage covers crashes, whether you have an accident with another snowmobile or ride into a fence. If you finance or lease your snowmobile, your lender or lessor may require you to buy collision coverage. 

Comprehensive coverage covers losses caused by something other than a collision. If someone steals or vandalizes your snowmobile, a tree falls on it, or it’s damaged in a fire, for example, comprehensive helps pay to repair or replace it.

It depends. Some states may require snowmobile insurance. For example, New York, North Dakota, Pennsylvania, South Dakota, and Vermont all require some level of liability insurance. Check with your insurance provider to make sure you’re following state laws.

Basic snowmobile insurance costs about $120 to $240 per year, according to ValuePenguin. 

Insurance costs can vary depending on the provider and factors like:

• Type of coverage 
• Location
• Value of your snowmobile

A basic snowmobile insurance policy does not cover theft, but optional comprehensive coverage does.

Snowmobile insurance doesn’t usually cover the snowmobile’s transport trailer. However, you can buy special comprehensive and collision insurance to protect your trailer against damage and theft. You can either add trailer coverage to your auto insurance or buy a separate trailer policy.