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What is snowmobile insurance?

Snowmobile insurance is year-round coverage for your sled, on and off the trails. If the unexpected happens, like a breakdown or rollover, you’re protected. Allstate® snowmobile coverage can also help you pay for property damage that results from an accident.

What you need to know about snowmobile insurance

  • Coverages & policies

    Learn how Allstate helps protect snowmobile owners
  • Discounts

    Save more with snowmobile insurance

get a quick, personalized snowmobile insurance quote today

Start your quote for a great rate on snowmobile insurance.

Snowmobile insurance coverages

  • Bodily injury liability
    If you injure someone in a snowmobile accident, Allstate snowmobile insurance will cover their medical expenses, for covered claims.
  • Property damage liability
    Coverage that helps pay for repairs to vehicles, homes and buildings that were damaged in a snowmobile accident.
  • Collision Coverage
    Get reimbursed for the cost of repairing your snowmobile after a collision.
  • Comprehensive Coverage
    Covers flooding, wind, vandalism, theft and other damage that doesn’t result from a collision.

How much does snowmobile insurance cost?

Your rate will vary based on your driving history, your sled’s make and model, the type of protection you need and the coverage limits you choose.

Is snowmobile insurance required?

Snowmobile coverage is required if you live in one of the following states: New York, North Dakota, South Dakota, Pennsylvania or Vermont. However, in case of an accident, you may still want to consider buying coverage even if it’s not required.

How to compare snowmobile insurance quotes

Select the same coverage, limit and deductible to get the most accurate comparison when you’re comparing coverages from other companies.

  • Choose your coverage

    Review the coverage types included in a standard policy and determine which one fits you best.
  • Consider your limits

    Think about your needs and your budget when choosing your coverage limits.
  • Select your deductibles

    Some snowmobile coverage requires you to pay a certain amount toward a claim. Be sure to select the same deductible on each option for every quote you request.

Ways to save on snowmobile insurance

Multi-policy discount

Bundle your snowmobile policy with another Allstate policy to save more on your premium.


Save more when you pay your policy upfront and in full.

Easy Pay Plan®

Get discounts when you set up monthly automatic payments.

Homeownership discount

Find out if you’re eligible for a homeowner discount on your snowmobile premium.

Safety course discount

Earn discounts on your coverage when you complete a snowmobile safety course.

Snowmobile insurance FAQs