Snowmobile Insurance Cost

Whether you're shopping for snowmobile insurance because it's required or you want to protect your investment in your sled, it is critical to fit it into your budget beforehand. Snowmobile insurance costs can vary based on several factors, like your location, the model of snowmobile you have, how much coverage you need, and more. However, it's possible to have an average figure in mind when you start planning.

An independent insurance agent can help you find your coverage at a competitive rate. They know exactly which kind of snowmobile coverage will meet your needs and where to find it at the right price. But first, here's a further breakdown of snowmobile insurance rates.

Factors Affecting Your Snowmobile Insurance Rates

Your snowmobile insurance cost can depend on several factors, including:

• The make, model, and year of your snowmobile
• Where you live and where you will be riding
• Your driving record and age
• Additional coverage options you choose

An independent insurance agent can help you find the most affordable snowmobile insurance options wherever you live and ride. 

Snowmobile Insurance Costs

So how much does snowmobile insurance cost, exactly? The cost of a basic liability policy can range anywhere from about $10 to $20 per month, or $120 to $240 per year, depending on the above factors. That's for just liability coverage alone, which is the cheapest way to insure a snowmobile. However, on average, many snowmobile owners pay between $150 and $300 per year for all the coverage they need.

To find the best coverage at a rate that suits your budget, it's helpful to compare quotes from several snowmobile insurance companies. An independent insurance agent is an excellent resource, as they work with multiple insurance carriers and can do the comparison shopping for you. They'll make sure you find a policy that includes all the coverage you need at the best possible rate.

Why Snowmobile Insurance Costs Can Vary

Many people start their coverage journey by asking friends or relatives how much they pay for their snowmobile insurance. Several factors go into determining your snowmobile insurance costs, and most of them are unique to you. So the cost of your neighbor’s snowmobile insurance may be different from your own.

When setting your premium rate, a snowmobile insurance company may look at many different things that are relevant to your specific profile and circumstances, such as:

• Your age and experience: Your rate can be vastly different if you're an 18-year-old male snowmobiler versus a 40-year-old female.
• Your history of past claims: Your history can play a role in costs when it comes to insurance. If you've had one or more snowmobile accidents, you have shown the insurer that you are risky, which can lead to higher premiums.
• Your snowmobile: The make, model, and value of your snowmobile can also influence its coverage costs. If it's brand-new and valuable, your snowmobile insurance costs may be higher than if you bought an older, used model.
• The type and amount of coverage you buy: Just like an auto insurance policy, you can choose to buy the minimum required coverage, or you can get a broader coverage package. You might choose to add comprehensive coverage to protect against costs of theft and damage “other than collision."
• The deductibles you select: Increasing your deductibles often lowers your premium costs. Just make sure that you can pay that full deductible out of pocket if you have to make a claim.

When selecting the snowmobile insurance policy you want, you'll have a number of different add-on coverage types to choose from. These can include uninsured motorist coverage, towing and roadside assistance, and coverage for your accessories and after-market add-ons. All of these variables can impact your snowmobile insurance cost.

Get Snowmobile Coverage

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

Request a quote

Some Snowmobiles Are More Expensive to Insure

Many policies provide replacement coverage for snowmobiles, so the more expensive the sled, the higher the insurance premiums are likely to be. That's because the insurance company would have to pay more to fully replace a more expensive snowmobile than a cheaper model in the event of a covered total loss. A new 2025 RMK Khaos, which retails for $16,599, will likely cost far more to insure than a 2024 RMK Evo, which retails for $8,199. 

Any safety features the machine may have, its maximum speed, its safety rating, and any after-market add-ons or accessories you have added can all impact your coverage rates. If you own a model that's frequently stolen, you may also have more expensive insurance rates. An independent insurance agent can help you find cheap snowmobile insurance near you.

Residents in Some States Pay More for Snowmobile Insurance

States with more snowfall and longer winters may require higher rates on snowmobile insurance since snowmobilers are likely to spend more time on their vehicles, and thus have a higher risk of accidents. However, most states with significant snowfall also have mandatory insurance coverage laws that may lead to lower insurance premiums for consumers in those areas. 

When most riders are insured, the cost of uninsured/underinsured motorist coverage decreases. Also, when policies are spread out over a wider population, rates are generally lower overall.

Do I Need Snowmobile Insurance?

Snowmobile insurance is required by state law in: 

Additionally, snowmobile owners who ride their vehicles off their own property in the state of Illinois must be insured. But even if snowmobile insurance isn't required by state law, you might still be required to have it before you can operate your ride at various parks or trails. Always check in with your local laws first, to be sure.

How Your Information Influences Snowmobile Insurance Costs

Insurance applicants with a good driving record can often get snowmobile insurance policies at a lower rate than those who have multiple speeding or reckless driving tickets. Insurance companies expect that those who practice safe driving habits in their cars will do the same while on their sleds.

Likewise, younger snowmobile operators tend to be more daring and are often more expensive to insure than their middle-aged counterparts. In some cases, insurance companies will also consider the applicant’s profession when determining an insurance quote.

Ask About Snowmobile Insurance Discounts

Other factors can still affect your snowmobile insurance costs, such as potential discounts. You may be eligible for discounts when combining policies, if you have taken a snowmobile safety course, or if you are married and own your home. 

Simply being married makes you statistically less likely to be a risk-taker. Talk with your independent insurance agent about discounts you may be eligible to receive.

Get Snowmobile Coverage

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

Request a quote

An Independent Insurance Agent Can Help You Find Affordable Snowmobile Insurance

Working with an independent insurance agent can be extremely helpful when you're comparison shopping for snowmobile insurance quotes. Your agent will first discuss your coverage options with you and then contact several different insurance companies on your behalf.  

Contact an independent insurance agent who can provide you with an obligation-free quote for snowmobile insurance today.