Montana 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.


Hitting the trails on a snowmobile is a prevalent winter recreation activity in Montana. Though not required by the state, you may want to consider a suitable snowmobile insurance policy. Whether you prefer riding on the picturesque trails in Yellowstone National Park, or exploring the scenic beauty afforded by the many trails that run through the Rocky Mountains, this state certainly has a lot to offer, but you also have a lot to lose in the event of an accident, particularly if you are at fault. Before you take your sled out for your next adventure, consider comparing snowmobile insurance policies and rates in Montana.

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Montana Snowmobile Facts and Statistics

  • There are currently 46,606 snowmobiles registered in this state
  • Montana has 3,772 miles of groomed snowmobile trails
  • North American snowmobile owners average 1,206 miles on their sleds each year

What Are Snowmobile Requirements in Montana?

Snowmobiles are extremely popular in this state, and Montana has only a few laws and requirements when it comes to their use.

  • All snowmobiles must be registered with the state; the registration fee is currently $22.50 a year.
  • Snowmobile operators who do not have a valid drivers license must take a state-approved snowmobile safety course and obtain a certificate before they can ride on public lands.
  • There is no minimum age to operate a snowmobile, but no person under the age of 16 may operate a snowmobile unless under the direct supervision of a licensed adult.
  • Snowmobiles may be ridden on maintained streets, roads and highways only if:
    • The roadway is covered by snow to the extent that travel by cars and trucks is impossible, or
    • The local government permits snowmobiles to travel on plowed roads with wheeled vehicles
  • Snowmobiles may be ridden on road shoulders and in road ditches
  • Posted speed limits are not applicable to snowmobile operators
  • Helmets are recommended, but not required
  • Snowmobile liability insurance coverage is not required.

What Does Snowmobile Insurance Cover?

Some coverage options you can expect to find with a snowmobile insurance policy in Montana include:

  • Liability coverage: This is designed to cover the costs that are accrued by third-parties who are injured or suffer property damage as a result of a snowmobile collision for which you are at fault.
  • Collision coverage: This is designed to compensate you for damages to your snowmobile if it is damaged in any type of collision, regardless of fault.
  • Comprehensive coverage: This is designed to cover damages to your sled if it is damaged in a non-collision-related covered event such as fire, flood, falling objects, vandalism and theft.
  • Medical payments coverage: This is meant to cover the costs associated with necessary medical treatment for you and your passengers if you are injured in a snowmobile collision, regardless of fault.
  • Uninsured/underinsured coverage: This is meant to cover the costs associated with personal injury and property damage that you may experience in a collision with an at-fault snowmobile operator who lacks the necessary coverage or funds to cover your expenses.
  • Trailer coverage: This is designed to provide coverage for the trailer you use to transport your sled to or from the trails.
  • Breakdown assistance: If you need help or assistance while out on the trails because of a problem such as a machine break-down, problem with your battery or even lost keys, this coverage is designed to cover the associated costs.
  • Safety apparel coverage: If you own expensive safety equipment such as helmets, gloves and goggles, you may want to add this coverage which is designed to cover your losses if your equipment is stolen or damaged by a covered event.

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Does Snowmobile Insurance Cost a Lot in Montana?

Many insurance companies will permit you to insure up to five operators for your sled. Some will even enable you to save money by insuring multiple snowmobiles with a single policy. By eliminating the need to purchase a separate policy for every member of your family, you can save both time and money. There are a number of factors that can affect the cost of your snowmobile insurance policy including:

  • The make, model, year and purchase price of your snowmobile
  • How much liability coverage you wish to purchase
  • Which coverage options you choose
  • Where and how you store your sled when not in use
  • Whether or not you have successfully completed a snowmobile safety course
  • Your personal driving record and claims history

Despite the number of factors that can influence rates, policy costs will not vary much from person to person because this coverage is highly affordable. Most Montana residents pay less than $15 per month for their snowmobile insurance. This is a small price to pay for the peace of mind that comes with knowing that your investment and your finances are well-protected when you are enjoying time on your snowmobile.

Easily Compare Snowmobile Insurance Quotes in Montana

When searching affordable insurance for your snowmobile, you can turn to an insurance agent in the Trusted Choice® network for help. These independent agents are able to work with a number of different insurance companies to find you a variety of policies and quotes for coverage that is well-suited to your needs. It is easy to find a Trusted Choice member agent near you. Contact a local agent to learn more about your coverage options and you start comparing snowmobile insurance quotes in Montana in less time than you think.

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