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.
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.
Get reimbursed for the cost of repairing your snowmobile after a collision.
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.
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.
- Review the coverage types included in a standard policy and determine which one fits you best.
- Think about your needs and your budget when choosing your coverage limits.
- 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
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.
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
Snowmobile coverage is required if you live in one of the following states: New York, North Dakota, South Dakota, Pennsylvania or Vermont. You may still want to consider buying coverage even if it's not required.
A homeowner policy does not cover your snowmobile. If you're using your snowmobile for recreation, you’ll need a separate snowmobile policy. A snowmobile is only covered as property under a homeowner policy if it’s used to service your residence's premises.
Damage and theft can happen even if your snowmobile is not in use. Without proper coverage, you may have to pay out-of-pocket to repair or replace your vehicle if something happens over the summer. See more information about snowmobile insurance for the summer.
We offer competitive coverage for snowmobiles nationwide. Get a quote to see what options are available to you.
Some coverage under your existing snowmobile policy may extend to a snowmobile rental. For example, the liability coverage under your personal snowmobile policy may also help cover you if you cause an accident while on the rental.
If you wreck a rental snowmobile, your personal snowmobile collision or comprehensive coverage probably won't cover it.
Learn more about insuring a rented snowmobile.