Snowmobile Insurance Discounts
Protect your wintertime ride with snowmobile insurance and explore everywhere from the High Sierra to the Rockies with peace of mind. Snowmobile insurance discounts vary by carrier, but some common ones include:
Multi-Policy
You may qualify for a multi-policy discount when you insure your snowmobile along with your home or auto through the same carrier.
Safety Course
You might save on your insurance premium if you complete an approved snowmobile safety course.
Prior Insurance
If you previously had snowmobile insurance, you might get a discount. Rules may vary based on the insurance carrier.
Pay in Full
You may get a discount when you pay your policy up front.
What does snowmobile insurance cover?
Common snowmobile coverages include1:
Bodily Injury
Helps pay medical or funeral costs if you cause an accident that injures other people
Uninsured/Underinsured Motorist
Helps cover your medical or funeral costs if you’re injured and the at-fault driver is uninsured or underinsured
Medical Payments
Helps pay medical expenses if you and/or a passenger are injured in an accident
Comprehensive Coverage
Helps pay to repair or replace your snowmobile if it’s damaged by something other than a vehicle collision
Collision Coverage
Helps pay repairs or replacement if your snowmobile collides with another vehicle or object
Accessory Coverage
Helps protect certain extra equipment and parts that are not factory installed
Contact Us for a Snowmobile Insurance Quote
a form for a quote.
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a local AAA branch.
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.