Minnesota Snowmobile Insurance

Find the right snowmobile insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

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.


According to the Minnesota United Snowmobilers Association, there are over a quarter of a million snowmobiles in the state. The economic impact to the state is estimated at over a billion dollars a year. The State of Minnesota also regulates snowmobile operation. This includes registration and required training for many riders. A local Minnesota snowmobile insurance agent might protect your finances and keep you out of legal trouble too.

As with any other type of vehicle policy, it is best to take the time to find the right insurer for your own machine and family of riders. A local Trusted Choice® member agent can compare Minnesota snowmobile insurance quotes from different companies, help you choose the best policy options, and provide service to you in the coming years. Find a Trusted Choice® member agent today.

  • The average cost of a new U.S. snowmobile is $11,000
  • Fatal snowmobile accidents in Minnesota, 2012 to 2013: 8

Operating a snowmobile can be as risky as operating other vehicles. Snowmobile owners and operators may be liable for deaths, injuries, and property damage. Contact a local Trusted Choice member agent to compare the costs and benefits of snowmobile policies.


Get Snowmobile Coverage

Our independent agents shop around to find you the best coverage.

How Much Does Minnesota Snowmobile Insurance Cost?

As with any other vehicle insurance, the premium of your policy will depend on your insurer, driving record, location and the exact make of your machine. Owners might also select different coverage amounts and policy options.

Basic policies may start around $100 a year for a legal adult rider with a good driving record. Insuring very expensive snowmobiles, younger riders, or riders who have already made a few claims, could cost more. A good agent can help you choose the right coverage and find the best deal in your local area.

Get Cheaper Snowmobile Insurance in Minnesota

You may also be able to get cheaper MN premiums by earning discounts. These are also similar to Minnesota car insurance discounts. For example, some insurers will offer you a lower price if you take additional safety courses, ride without making claims for a period of time, or bundle your snowmobile insurance with auto or home insurance, for example.

Different makes and models of will start off with different premiums too. Some of this stems from the value and cost to repair your snowmobile.

If your machine is just for trail rides, it may be less expensive to cover than if you plan to use it for racing, or if you haul it to remote mountain areas to ride. According to the Minnesota Department of Natural Resources, more than half of all avalanche accidents are from less experienced Midwestern riders taking a snowmobile trip out west.

You may want to shop for competitive Minnesota snowmobile insurance quotes before you decide which type of new or used snowmobile to purchase. The rates could affect your cost of insurance so much your choice of which make and model might be affected.


Get Snowmobile Coverage

Our independent agents shop around to find you the best coverage.

What Does Minnesota Snowmobile Insurance Cover?

Policies vary by insurer and consumer choices. Ask your independent agent to explain any snowmobile policy you plan to buy, but you may find that coverage options are similar to a vehicle insurance policy. A basic policy may provide the following coverage:

  • Bodily injury and property damage liability
  • Collision
  • Comprehensive
  • Medical expense

Compare Minnesota Snowmobile Insurance Quotes

Many Minnesotans enjoy snowmobiling, and likewise there are many different insurers to choose from. Captive agents can only offer you policies from one company. An independent Trusted Choice member agent can help you select the best policy from multiple insurers.

Your agent will help you compare Minnesota snowmobile insurance companies, determine your coverage needs, and provide expert assistance in the future. Contact a local Trusted Choice member agent to get your snowmobile properly covered right away.

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