snowmobile insurance basics

For most drivers, getting behind the wheel after a snowfall can mean delays, frustration, and even danger. But there's a special breed of motorist that covets fresh powder: the snowmobiler. If you're a member of this club (or want to join), check out some of our snowmobile insurance basics before you hop on your sled.

Snowmobile basics

You might already know your way around a snowmobile. But hey, it never hurts to make sure.

Snowmobiles are made specifically for driving on snowy and icy surfaces, such as wintry paths and open fields. They run on skis in the front and a treaded track in the back, which allows them to zoom over snow and ice without getting stuck. Most people use snowmobiles for recreation (think joyriding and touring winter wonderlands), but some snowmobiles are made for work (think ski patrol).

Snowmobile insurance

Nothing beats flying across a frozen lake on a brisk winter day. So take precautions and protect your sled by properly insuring it.

Snowmobile insurance coverages

When you combine snow, trees, and high speeds, accidents are bound to happen. That's why snowmobile insurance is so important: it helps protect you and your ride when you need it most.

Esurance works with our partner to meet your snowmobile insurance needs. You can insure up to 5 drivers and 4 snowmobiles on a single policy and protect them with these coverages:

Personal liability
Uninsured/underinsured motorist coverage
Collision
Comprehensive
Actual cash value (ACV) coverage
Transport trailer coverage
Medical payments
Roadside assistance
Accessory coverage

Is snowmobile insurance required?

It depends on where you live. Some states, such as Pennsylvania, require at least liability coverage to legally operate a snowmobile. Check with your state government to find out whether you need insurance before you ride.

Covered states

Esurance offers coverage through our partner in these 21 states:

California
Colorado
Connecticut
Illinois
Indiana
Iowa
Kansas

Maryland
Michigan
Minnesota
Missouri
Nebraska
Nevada
New Jersey

New York
Ohio
Oregon
Pennsylvania
Utah
Washington
Wisconsin

Do I need snowmobile insurance?

So if snowmobile insurance isn't mandatory where you live, does that mean you should skip it? Not at all! There are tons of benefits to getting (or even increasing) snowmobile insurance coverage. Here are a few reasons this protection makes sense:

Snowmobiles are pricey

A used snowmobile might go for around $2,000, but a top-of-the-line new one could cost upwards of $15,000. Insuring your investment can help you recoup major dough if it's damaged or stolen, and it can protect you from liability in case of a mishap.

Snowmobiles can be a tad dangerous

Sure, riding a snowmobile is a blast and a half, but it also poses some dangers. Since you're riding in the snow, it can be hard to see objects like tree stumps, rocks, and fences. And snowmobiles are intended to be ridden at high speeds (some can easily top 100 mph), which naturally tends to increase the risk of accidents and injury.

Snowmobile insurance can protect your passengers

If you're involved in an accident and your passenger is injured, your snowmobile insurance can kick in to help pay those expensive medical bills (and help you avoid the silent treatment).

Roadside assistance can come in handy

Roadside assistance, an add-on to your snowmobile insurance policy, can save the day if you find yourself stranded after an accident or breakdown — or even if you just lose your key.

Should I keep my snowmobile insurance all year?

Probably. Here's why: canceling your snowmobile insurance during the warmer months might end up costing you more in the long run. It could be more expensive to cancel and reactivate your policy than to just maintain coverage year-round. And weather damage or theft can happen anytime.

Need snowmobile insurance?

We work with our partner to offer affordable coverage. You can start your snowmobile insurance quote online or give us a call at 1-866-455-1980.