Farmers' Snowmobile Insurance: What's Covered?

Snowmobile insurance is an important consideration for anyone who owns one of these vehicles. While it is not a legal requirement in every state, it is mandatory in some, and it can also be required in certain parks and recreation areas. Even if it is not a legal requirement, it is still a good idea to have insurance to cover the costs of any potential accidents or damage. Snowmobile insurance can cover personal injury, damage to the snowmobile, and your legal liability if you are responsible for injuries to another person or damage to their property. It can also cover theft, fire, and vandalism. State Farm, Progressive, and Nationwide are some of the insurance companies that offer snowmobile insurance.

Snowmobile insurance cost

Snowmobile insurance is not required in every state, but it is mandatory in some states, and in some parks and recreation areas. It is also mandatory in the Canadian province of Ontario. If you are buying a new snowmobile and financing it, the lender will typically require you to buy insurance.

The cost of snowmobile insurance varies depending on the coverage you buy and the type of machine you drive. It can be as low as $80 to $100 per year if you buy liability coverage only. Most packages average between $300 to $400 annually, while a very basic plan can range from just over $100 to over $500 a year.

An insurance company will consider several issues when quoting the cost of a policy, including:

• The make, model and year of the snowmobile
• The state or area where you live and where you will be riding
• The age of the driver using the snowmobile
• Whether you will take passengers and/or allow others to ride your snowmobile
• The intended use of the machine, such as pleasure, business or racing
• The deductible you choose
• The types and amounts of insurance you want
• The safety features of the machine
• Its maximum speed and safety rating
• Any after-market add-ons or accessories
• Whether you live in a state with more snowfall and longer winters
• Your driving record
• Your age and profession

You can also ask about available discounts when purchasing snowmobile insurance. You may be eligible for discounts when combining policies, if you have taken a snowmobile safety course, or if you are married and own your home.

What does snowmobile insurance cover?

Snowmobile insurance is an important coverage that can protect you from financial hardship in the event of an accident. It covers personal injury, damage to the snowmobile, and your legal liability if you are responsible for another person's injuries or property damage. Snowmobile insurance is not required in every state, but it is mandatory in some. Here's what it covers in more detail:

Bodily Injury Liability

This covers the medical expenses of someone injured in an accident with your snowmobile. It also includes coverage for funeral expenses associated with a snowmobile accident resulting in the death of an insured person occupying the insured snowmobile. Most states require liability coverage.

Property Damage Liability

This coverage helps pay for repairs to property and belongings like vehicles, homes, and buildings if you accidentally damage them with your snowmobile. It also covers damage to another person's vehicle. Most states require liability coverage.

Collision Coverage

This reimburses you for the cost of repairing your snowmobile after a collision with an object, such as a tree or another snowmobile. Collision coverage also includes safety apparel, like helmets and eye protection.

Comprehensive Coverage

This covers expenses related to damages caused by something other than a collision, such as flooding, wind, vandalism, fire, or theft. It also includes damage from hitting an animal and protects custom parts and equipment.

Uninsured/Underinsured Motorist Coverage

This provides additional protection against damage to your snowmobile caused by a motorist with no insurance or insufficient coverage. It also covers your injuries or death if you are in an accident with an uninsured or underinsured motorist at fault.

Medical Payments Coverage

This covers hospital bills, regardless of fault, for you, your passengers, or anyone involved in a snowmobile accident.

Accessory Coverage

This covers items added to the snowmobile that were not included as standard by the manufacturer, such as windshields, storage bags, custom seats, covers, skid plates, helmets, and riding gear.

Snowmobile insurance is customizable and can be tailored to your specific needs, vehicle, and budget. It is a good idea to shop around and compare quotes to find the most suitable coverage.

Is snowmobile insurance required?

Snowmobile insurance is not required in every state, but it is mandatory in some states, and in some parks and recreation areas. If you are buying a new snowmobile and are getting it financed, the lender will typically require you to buy insurance.

Even in states where snowmobile insurance is not required, it is still a good idea to have it. Snowmobiling is a risky winter sport, and accidents are common. If you get into an accident without the proper coverage, especially if you damage someone else’s machine or cause an injury, you could find yourself involved in an expensive lawsuit which could be financially devastating.

Snowmobile insurance may provide coverage for personal injury, damages to the machine, as well as your legal liability in the event that you are responsible for another person’s injuries or property damage. It can also protect you from expenses associated with injury and property damage, whether the damage is to you or your property, or someone else’s.

State Farm offers off-road vehicle insurance for multiple sports and leisure types, including snowmobiles.

Snowmobile insurance companies

Snowmobile insurance is an important coverage that can protect you from financial hardship if you are sued for causing injury to another person or their property. It also covers the financial setback of repairing or replacing your snowmobile. While snowmobile insurance is not required in every state, it is mandatory in some states and in certain parks and recreation areas.

State Farm

State Farm offers off-road vehicle insurance for multiple sports and leisure types, including snowmobiles. They provide personalized service from any one of their 19,000 agents nationwide and are the largest auto insurance provider in the US. State Farm does not offer online quotes; to get a policy, you need to search for an agent in your area that offers snowmobile insurance or call their hotline to connect with a nearby provider.

Progressive

Progressive provides quick online options for snowmobile insurance with the protection of a national company. Their online process is simple and quick, allowing you to purchase a policy or customize it by adding forms of coverage such as comprehensive and collision. Progressive's standard policy costs around $148 per year, but the price increases to $165 per year if you don't buy the entire policy at once.

Nationwide

Nationwide offers affordable snowmobile coverage options, along with various discounts to save on your monthly payments. Their online interface is user-friendly, and it only takes a few minutes to get an insurance quote. A standard policy from Nationwide typically costs around $10 a month or $120 a year. They also allow you to check your eligibility for discounts based on factors like being an experienced driver or a part of a riding club.

GEICO

GEICO offers multiple snowmobile coverage options, but you need to call an agent to get a quote. They provide year-round coverage for snowmobiles and accessories across the US, excluding Hawaii, North Carolina, Texas, and Washington, DC.

Farm Bureau Insurance

Farm Bureau Insurance offers specialized insurance for snowmobiles in Colorado, including most makes and models, as well as high-performance sleds. They also have insurance programs for boats and personal watercraft. You can find more information by contacting a local Farm Bureau Insurance agent or reviewing your existing policy through their mobile app.

Snowmobile insurance quotes

Snowmobile insurance is an important coverage that can protect you from financial hardship if you are sued for causing injury to another person or their property, as well as from the financial setback of having to repair or replace your snowmobile. It is not required in every state, but it is mandatory in some states and in some parks and recreation areas. Even if it is not mandatory in your state, it is still a good idea to have snowmobile insurance to protect yourself financially in the event of an accident.

When shopping for snowmobile insurance, it is important to compare quotes and coverage options from different insurance companies. Some companies offer online quotes, while others require you to call or contact an agent in person. The cost of snowmobile insurance depends on the coverage you choose, the make and model of your snowmobile, the state or area you live in, the age of the driver, and other factors.

Liability-only coverage is the cheapest option, typically costing between $10 and $20 per month, or $120 to $240 per year. This type of policy covers damage that you cause to others, including medical bills and property damage, but it does not cover your own injuries or damage to your own snowmobile.

If you want more extensive coverage, you can purchase a full coverage policy, which includes comprehensive and collision coverage. This type of policy protects your snowmobile from theft, fire, or hitting an animal, and covers collisions and turnovers regardless of who is at fault. Full recovery insurance may be a good idea if you have an expensive snowmobile, as it covers the full cost of repairing or replacing your snowmobile, even if it exceeds your policy's normal limits.

In addition to the standard coverage options, you may also want to consider adding optional coverages such as accessory coverage for helmets, windshields, and riding gear, year-round coverage, trailer insurance, and increased liability limits.

When getting snowmobile insurance quotes, be sure to ask about the specific coverages included, the deductibles, and any discounts you may be eligible for. Shopping around and comparing quotes from different insurance companies can help you find the best coverage at the most affordable price.

Frequently asked questions