Wisconsin Snowmobile Insurance

Why Purchase Wisconsin Snowmobile Insurance?

If you own and operate a sled, you may want to strongly consider a Wisconsin snowmobile insurance policy.


Wisconsin is the birthplace of snowmobiling. Residents in this state began experimenting with over-snow vehicles in the 1800’s, and it is little wonder given the long winters and how much snow falls in this part of the country each year. 

In the snow-belt region near Lake Superior, this state can often see more than 100 inches of snow in year. Hitting the trails on a snowmobile is a fun family activity and is a prevalent winter recreation activity in this northern state. If you own and operate a sled, you may want to strongly consider a Wisconsin snowmobile insurance policy.

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Wisconsin Snowmobile Facts and Statistics

  • There are 1.4 million snowmobiles registered in the U.S., about 225,000 of which are registered in WI
  • Snowmobile owners average 920 miles on their sleds each year
  • Wisconsin has about 16,000 miles of state-maintained, marked snowmobile trails
  • In 2012, 10 WI residents were killed in snowmobile-related accidents

What Are Snowmobile Requirements in Wisconsin?

Snowmobiles are extremely popular in this state, and Wisconsin has a number of laws and requirements when it comes to their use.

  • All snowmobiles must be registered with the state. There is a fine of $136.90 for improper registration.
  • All snowmobile operators born after January 1, 1985, but have taken a snowmobile safety course and received certification unless operating the sled on privately-owned land.
  • Children under the age of 12 may operate a snowmobile only if accompanied by someone at least 18 years of age.
  • You may not operate a snowmobile on or near any public roads or face a fine of approximately $140.00. You must remain at least 10 feet from the roadway at all times with the following exceptions:
    • To cross over a bridge
    • To cross to the other side of the road. You must come to a complete stop before crossing.
  • When traveling alongside a roadway, you must be riding in the same direction as traffic in the nearest lane and you must obey all posted speed limits.
  • You may not operate your snowmobile while intoxicated. Doing so can result in a fine of $572.00 for a first offense and higher for repeated offenses.
  • Snowmobile insurance coverage is not required.

Although insurance is not required by law, if you own a one of these machines, it is a very good idea to purchase a policy. Many people in this state spend more than $10,000 on their sleds so insurance is something that is very important. In addition to protecting your investment, you can also protect your finances if you are at fault for an accident while operating your sled.


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What Does Wisconsin Snowmobile Insurance Cover?

A basic snowmobile policy provides coverage against bodily injury and property damage liability in the event that you are responsible for a snowmobile accident. Liability coverage is very important as these costs can sometimes be quite high, particularly when serious injuries that require ongoing care are involved.

Many insurance companies will allow you to insure four or five operators for your sled and some will enable you to insure multiple snowmobiles on a single policy. This eliminates the need to purchase a separate policy for every member of your family.

What Other Coverage Options are Available?

In addition to liability coverage, you have the option to purchase several other coverage types. Some policies may include some, or all, of these options as part of their standard policy while others will require you purchase them in addition to the basic coverage. Because snowmobile insurance is relatively inexpensive, it will not cost you a lot to purchase full coverage for your sled. Coverage options include:

  • Collision coverage: This compensates you for damages to your sled if it is damaged in a collision with another rider or with a stationary object such as a tree or a rock.
  • Comprehensive coverage: This compensates you for damages to your sled if it is damaged by any cause other than a collision. This can include fire, flood, falling objects, extreme weather, vandalism and theft.
  • Medical payments coverage: This covers the costs of medical treatment for you or your passengers if you are injured in a collision for which you are at fault.
  • Uninsured/underinsured coverage: This provides compensation if you are injured your snowmobile is damaged by another third party who lacks the coverage or funds to cover you for your losses.
  • Safety apparel coverage: Some insurers will permit you to purchase coverage against loss or damage to any apparel designed to protect you while riding. This includes helmets, gloves and goggles.
  • Trailer coverage: This provides compensation if your trailer or sled is damaged while transporting it to or from the trails.
  • Roadside assistance: This can come in handy if your machine breaks down on a trail or if you have a problem with your battery or if you have lost or misplaced your key and are stranded.

Is Wisconsin Snowmobile Insurance Expensive?

There are several factors that can affect the cost of your particular snowmobile insurance policy, but even the most comprehensive policies are not very expensive. On average, Wisconsin residents pay only a little more than $10 a month for their snowmobile insurance. Knowing that your investment and your finances are protected make this small additional cost well worth it.

Start Comparing Wisconsin Snowmobile Insurance Quotes Today

When searching for an affordable and comprehensive snowmobile insurance policy, you can turn to an insurance agent in the Trusted Choice® network for assistance. These independent agents can work with a number of different insurance companies to help you find the right policy to meet your coverage and your budgetary needs.

It is easy to find a Trusted Choice member agent in or near your neighborhood. Contact a local agent today to learn more about your coverage options to start reviewing a variety of Wisconsin snowmobile insurance quotes.

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