Fast, fun, and frigid: riding a snowmobile can be a blast, but it can also be dangerous. That means risk of injury, property damage, and liability. A snowmobile insurance policy can protect you from those dangers — you'll just have to protect yourself from the ones out on those wintry trails.
Snowmobile insurance requirements vary by state. Some states, such as Vermont and New York, require minimum liability coverage to ride on public lands or roadways. But some states, such as Minnesota, don't require insurance at all.
If you just want to make sure you're on the right side of the law, check with your state's department of natural resources to find out whether you're required to insure your sled. But even if insurance isn't required in your state, protecting your snowmobile, your passengers, and yourself is always a smart move.
You can rely on snowmobile coverage through Esurance
We work hard to customize a policy that suits your needs — whether it's from Esurance or through our partner. That means the coverages you want and need at a price you can afford. From the adrenaline junkie who needs a daily fix to the weekend warrior, we'll help you find the perfect protection.
Find out more about the basics of snowmobile insurance coverage >
What snowmobile insurance costs
You might even snag discounts on your snowmobile insurance. Whether you're covering multiple sleds, have a flawless driving record, or even own your own home, you could be eligible to pick up sweet savings.
Find out more on how to save on your snowmobile insurance >
Snowmobile safety and maintenance
Not-so-frozen lake? Meeting with a tree? Hidden fence post? Snowmobiling is exhilarating, yes, but it's also dangerous.
Check out our snowmobile safety primer >
Injury is one thing. Getting stuck inside because your sled is broken is another. Make sure your snowmobile is always in tip-top working order.
Read up on snowmobile maintenance >
*Snowmobile insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability varies by state and/or individual risk situation. Snowmobile insurance quotes, in states where Esurance ATV insurance is not available, are provided by Answer Financial, Inc. Snowmobile insurance quotes are not available in all states. Esurance does not underwrite, provide customer service, or pay claims for any snowmobile policies sold by Answer Financial.