Maine Snowmobile Insurance
Get a full analysis of Maine snowmobile insurance costs, coverage, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Find the Best Snowmobile Insurance Options in Maine
Whether you ride your snowmobile through the groomed trails of the Maine Snowmobile Association's Interconnected Trail System (ITS) or you cruise the ditches and forests of your own land, snowmobile insurance can protect you financially and help you ensure your winter toys are ready for the next season.
However, before you search for snowmobile insurance quotes, careful research will help you find the right policy for you.
For help finding the right Maine snowmobile insurance, contact a local independent insurance agent. An independent agent can get quotes from multiple insurance companies so you can choose the policy that best fits your needs and budget.
What Are the Best Snowmobile Insurance Companies in Maine?
There are many options for snowmobile insurance in Maine. How can you make the best choice?
The following are some of the best snowmobile insurance companies in Maine. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers snowmobile insurance across all 50 states, including Maine. Maine residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including snowmobile insurance.
- Peerless Insurance: Peerless is a regional insurance company that’s backed by the financial strength of Liberty Mutual Insurance. The carrier offers snowmobile insurance in Maine, as well as a variety of other personal insurance options.
- The Andover Companies: Andover has been providing personal and business insurance solutions to customers for nearly 200 years. In addition to snowmobile insurance in Maine, Andover offers home insurance, condo insurance, and a variety of other options.
- Safety Insurance: Since its founding in 1979, Safety Insurance has partnered with independent insurance agents to provide the best possible insurance products at a competitive price. The carrier is one of the leading providers of property and casualty insurance, including snowmobile insurance, in Massachusetts, New Hampshire, and Maine.
An independent insurance agent in your area can help you learn more about these and other Maine snowmobile insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
Get Snowmobile Coverage
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Is Snowmobile Insurance Required in Maine?
If you own a snowmobile in Maine, you need to register it with the state, much like a car. Beyond that, there are no licensing or insurance requirements for a snowmobile in Maine. Most regulations revolve around who can ride and where you can ride.
However, that doesn't mean that snowmobile insurance isn't valuable. Snowmobiling comes with risks like accidents, injuries, damage to other vehicles and properties, theft, vandalism, and extreme weather. Snowmobile insurance offers some financial protection for theft, loss, and damage to your snowmobile and its accessories, as well as someone else’s injuries and damages if you're at fault for them.
Keep in mind that while the state doesn't require snowmobile insurance, you may still be required to purchase coverage from a third party such as your lender, a storage facility, or some parks and recreation areas where you may ride.
An independent insurance agent in Maine can help you make sure you're complying with all of the snowmobile insurance regulations you might encounter.
What Does Snowmobile Insurance Cover in Maine?
A basic Maine snowmobile insurance policy provides liability coverage. In some cases, this coverage could be required by certain parks or recreation areas where you ride.
- Bodily injury liability coverage: Pays for injuries you cause to someone while riding your snowmobile.
- Property damage liability coverage: Pays for damage to someone else's property if you're at-fault for an accident.
There are several optional snowmobile insurance coverages that you can add to your policy. These offer further protection while you're out on a ride or while your snowmobile is in storage.
- Collision coverage: Pays to repair or replace your snowmobile if you collide with another vehicle or object.
- Comprehensive coverage: Covers to repair or replace your snowmobile if it's damaged by a non-collision event, such as theft, vandalism, hitting an animal, fire, or severe weather.
- Medical payments coverage: Pays for medical bills for you and your passengers if you're in an accident with your snowmobile, regardless of fault.
- Uninsured/underinsured bodily injury and property damage coverage: Covers your injuries and property damage if someone else injures you or damages your property while you're riding your snowmobile.
- Accessory and custom parts equipment: Provides coverage for enhancements or upgrades to your snowmobile that weren’t factory installed, up to your policy’s limit.
- OEM coverage: Pays for original equipment manufacturer parts for your snowmobile if it needs repairs.
An independent insurance agent in Maine can help you determine which coverage options are necessary for you.
What Does Snowmobile Insurance Cost in Maine?
Maine insurance companies consider several factors when calculating your snowmobile insurance premium, including the following:
- Your deductible and coverage limits
- The types of coverage you chose
- The year, make, and model of your snowmobile
- Where you ride and where you store your snowmobile
- The driver's age and driving record
It's always best to shop around when looking for the best price on Maine snowmobile insurance. An independent insurance agent can get quotes from multiple insurance companies, so you can choose the best choice for your needs and budget.
How to Find the Best Snowmobile Insurance Quotes in Maine
Instead of getting an online quote for Maine snowmobile insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Get Snowmobile Coverage
Our independent agents shop around to find you the best coverage.
Maine Snowmobile Insurance FAQs
Snowmobile insurance is not required by law in Maine. If you own a snowmobile in Maine, note that liability coverage could be required by certain parks or recreation areas where you ride.
Be sure to check on any requirements before you go out for a ride.
If you own a snowmobile in Maine, you need to register it with the state, much like a car. Beyond that, there are no licensing or insurance requirements for a snowmobile in Maine. Most regulations revolve around who can ride and where you can ride.
Snowmobile insurance in Maine typically provides the following types of coverage:
- Property damage liability coverage
- Bodily injury liability coverage
- Comprehensive coverage
- Collision coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
There are a variety of other types of optional coverage that you may need, depending on the type of snowmobile and how it will be used.
The cost of snowmobile insurance in Maine depends on a variety of factors like the coverage you select and other factors such as:
- Your age
- Your driving record and any past claims
- Your location and where the snowmobile is stored
- Where you intend to operate your snowmobile
- The make, model, age, and value of your snowmobile
Safeco, Progressive, Foremost Insurance Company, The Andover Companies, Safety Insurance, and Peerless Insurance are some of the best snowmobile insurance companies in Maine. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
Comparison shopping is the best way to make sure you're getting the best snowmobile insurance for your needs and budget.
A local independent insurance agent can help you find competitively priced Maine snowmobile insurance. Contact an agent in your area to begin comparing customized quotes.