Snowmobile Insurance: What Does It Cost?
Snowmobile insurance costs an average of $15 per month, depending on your snowmobile model, policy limits, and extra coverages.
How much does snowmobile insurance cost?
Liability is the cheapest type of snowmobile coverage, typically costing $10 to $20 per month, or $120 to $240 per year.
Basic snowmobile insurance only covers damage you cause to others: If you slam your sled into another rider's snowmobile, your policy would pay for the other vehicle's damages, as well as any medical bills for injuries you caused, up to your policy's limit. But you would be financially responsible for your own injuries and repairs
You'll probably want to keep coverage active year-round. While it may seem like a cost-saving maneuver, canceling your snowmobile insurance during summer could cause you to face price hikes or not being able to renew your policy in winter.
Best snowmobile insurance companies
Finding snowmobile insurance online can be more difficult than homeowners, renters or auto insurance. Since snowmobile coverage isn't required in most states, you'll sometimes need to contact an agent in person or by phone to get a quote — though you can find online quotes, too.
Progressive snowmobile insurance
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Why it's great
Progressive provides quick online options for your snowmobile with the protection of a national company.
Progressive's online process is simple and quick. It took under five minutes to receive a quote of $148 a year for a standard policy. Progressive lets you purchase a policy on their website and customize it by adding forms of coverage, such as comprehensive and collision. You'll get the best price by buying the entire policy at once, to avoid a higher price of $165 per year.
Nationwide snowmobile insurance
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Why it's great
Nationwide has affordable coverage options and many discounts available.
Like Progressive, Nationwide's online interface is easy to use. Getting a snowmobile insurance quote takes only a few minutes. You can buy a standard policy for around $10 a month, or $120 a year. And you can check whether you qualify for any discounts. For example, if you're an experienced driver or part of a riding club, you're eligible for lower costs from Nationwide.
Geico snowmobile insurance
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Why it's great
Geico has multiple coverage options, but you'll have to call an agent to get a snowmobile quote.
Geico does not let you check snowmobile insurance quotes online. They give a brief overview of coverage and a phone number for more information about a policy. You can get year-round coverage for your snowmobile and accessories. Geico snowmobile insurance is everywhere in the US except for Hawaii, North Carolina, Texas and Washington D.C.
For a snowmobile insurance quote, call: 800-861-8380
State Farm snowmobile insurance
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Why it's great
State Farm requires you to call for a quote, but they're a large national insurance company with many local offices.
State Farm does not offer online quotes. To get a policy, you have to use State Farm's website to search for an agent in your area that offers snowmobile insurance. Or, you can call the State Farm hotline to speak with a representative who can connect you with a provider nearby.
For a snowmobile insurance quote, call: 844-242-1899
What does snowmobile insurance cover?
Basic snowmobile insurance comes with liability protection for damage you cause to others. Like an auto insurance policy, your snowmobile insurance coverage is denoted by numbers and slashes like this: 25/50/10. If you own a policy with these coverage numbers, your insurance would pay for $25,000 of bodily damage per person or $50,000 per accident — plus $10,000 of property damage coverage.
This type of policy pays $25,000 for injuries you cause to one person. If you hit a vehicle that's carrying more than one person, your policy would pay for $50,000 of the medical bills that you're responsible for. You'd have to pay anything over that out of pocket.
If you have a new snowmobile or are a frequent rider, consider buying additional coverage, such as comprehensive and collision. These options provide more extensive coverage to your vehicle by protecting it from theft, fire or hitting an animal. With this coverage, you would also be protected from collisions and turnovers, no matter who's at fault.
If you have a particularly expensive snowmobile, full recovery insurance may be a good investment. This type of policy pays for you to replace or repair the entire extent of your damage, even if it exceeds your policy's normal limits.
Which states require snowmobile insurance?
Only five states require snowmobile insurance: New York, North Dakota, Pennsylvania, South Dakota, and Vermontand. You'll often only need liability insurance to meet the requirements. Rather than insurance, it's much more common for states to require you to register your snowmobile.
Check your state's guidelines to see whether you need registration or special equipment to ride legally. Typically, you'll have to pay an annual or biannual fee to register with your state's park services administration. Some states also require helmets and other protective clothing for snowmobile riders.
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