Cheap Snowmobile Insurance in 2024 (Unlock Big Savings From These 10 Companies)
Progressive, USAA, and State Farm offer the cheapest snowmobile insurance, with rates beginning at only $22 per month. These providers offer affordability alongside comprehensive coverage, making them excellent choices for those looking for discounts and reliable protection for their snowmobiling needs.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Oct 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Min. Coverage for Snowmobiles
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Min. Coverage for Snowmobiles
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Together with USAA and State Farm, they offer cost-effective and comprehensive choices designed specifically for snowmobiling requirements like auto insurance.
Our Top 10 Company Picks: Cheap Snowmobile Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | A+ | Online Convenience | Progressive |
 | #2 | $27 | A++ | Military Savings | USAA |
 | #3 | $33 | A++ | Many Discounts | State Farm |
 | #4 | $39 | A- | Add-on Coverages | Allstate |
 | #5 | $44 | A+ | Usage Discount | Nationwide |
 | #6 | $44 | A | Customizable Polices | Liberty Mutual |
 | #7 | $49 | A | Student Savings | American Family |
 | #8 | $53 | A | Local Agents | Farmers |
 | #9 | $61 | A++ | Safe Drivers | Travelers |
 | #10 | $68 | A | Exclusive Benefits | Safeco |
#1 – Progressive: Top Overall Pick
Pros
- Tailored Policies: As outlined in our Progressive insurance review, the coverage options are tailored to suit the needs of snowmobile owners.
- Competitive Pricing: Progressive presents budget-friendly rates.
- Discount Opportunities: Progressive extends various discount options, including those tailored specifically for snowmobile coverage.
Cons
- Claims Processing Challenges: Customers may encounter delays or complications when navigating the claims process with Progressive.
- Limited Discount Availability: Progressive might not provide as extensive a range of discounts as certain competitors.
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#2 – USAA: Best for Military Savings
Pros
- Personalized Policies: USAA provides tailored coverage options specifically designed for snowmobile owners.
- Competitive Rates: USAA offers cost-effective pricing.
- Outstanding Customer Service: USAA is renowned for its efficient and user-friendly service.
Cons
- Membership Restrictions: USAA membership is exclusive to military personnel, veterans, and their families.
- Limited Geographic Availability: The availability of USAA’s services may vary depending on the location. Further details can be found in our comprehensive USAA insurance review.
#3 – State Farm: Best for Many Discounts
Pros
- Discount Options: State Farm offers a range of discount opportunities.
- Financial Security: State Farm is backed by a financially stable company.
- Superior Customer Service: State Farm is known for its responsive and user-friendly customer service.
Cons
- Coverage Limitations: Some policy add-ons may not be available to meet specific needs. Further details can be found in our State Farm insurance review.
- Claims Handling: Customers may experience delays or complications during the claims process.
#4 – Allstate: Best for Add-on Coverages
Pros
- Discount Opportunities: Allstate offers customized discount options for everyone.
- Financial Security: Allstate is backed by a financially stable corporation.
- Outstanding Customer Service: Allstate is well-known for its prompt and easily accessible service.
Cons
- Coverage Constraints: Some additional policy features may not fully address specific needs. Refer to our Allstate insurance review for detailed information.
- Claims Processing: Customers may experience delays or difficulties during the claims process.
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#5 – Nationwide: Best for Usage Discounts
Pros
- Discount Opportunities: Nationwide offers a range of discount options.
- Financial Stability: Nationwide is backed by a financially strong company.
- Outstanding Customer Assistance: Nationwide is recognized for its responsive and user-friendly service.
Cons
- Claims Handling: According to our Nationwide insurance review, individuals may encounter delays in the claims processing.
- Limited Discount Options: Nationwide may not offer as wide a variety of discounts as certain competitors.
#6 – Liberty Mutual: Best for Customizable Policies
Pros
- Tailored Coverage: Liberty Mutual provides personalized coverage options tailored to individual needs.
- Competitive Rates: Liberty Mutual offers competitive pricing for snowmobile insurance.
- Discount Opportunities: Liberty Mutual provides various opportunities for savings.
Cons
- Agent Availability: Availability of local representatives from Liberty Mutual may be limited in certain areas.
- Coverage Restrictions: Some additional policy features mentioned in our Liberty Mutual insurance review may not entirely meet the needs of snowmobile owners.
#7 – American Family: Best for Student Savings
Pros
- Tailored Policies: American Family offers personalized coverage options tailored for snowmobile owners.
- Competitive Rates: American Family provides cost-effective pricing. You can find more details in our comprehensive American Family insurance review.
- Discount Options: American Family extends various discounts, including those specifically for snowmobile coverage.
Cons
- Limited Availability of Local Agents: American Family primarily operates through local agents, which may not be universally accessible.
- Coverage Limitations: Some policy enhancements may not fully meet unique needs.
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#8 – Farmers: Best for Local Agents
Pros
- Tailored Coverage: Farmers, as highlighted in our Farmers insurance review, customizes coverage to suit individual needs.
- Affordable Premiums: Farmers provides cost-effective car insurance.
- Discount Opportunities: Farmers offers various discounts, including those for snowmobile coverage.
Cons
- Limited Availability: Farmers primarily operates through local agents, which may not be accessible in all regions.
- Coverage Restrictions: Certain additional coverage options may not fully satisfy requirements.
#9 – Travelers: Best for Safe Drivers
Pros
- Discount Options: Travelers provides various discounts, including those for auto, helping them save.
- Financial Stability: Travelers is financially secure, giving people’s confidence.
- Responsive Service: Travelers offers prompt customer support, ensuring customer get help quickly.
Cons
- Claims Complexity: In our Travelers insurance review, customers may encounter claim challenges.
- Discount Variety: Travelers offers fewer discounts, impacting snowmobiles.
#10 – Safeco: Best for Exclusive Benefits
Pros
- Competitive Rates: Our Safeco insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Safeco provides customizable policies.
- Discounts: Safeco offers various discounts, including those tailored for snowmobiles.
Cons
- Limited Local Agents: Safeco operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet unique needs.
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Snowmobile Insurance Is Similar to Car Insurance
Types of Snowmobile Insurance
- Bodily Injury and Property Damage Liability: Snowmobile liability insurance varies by state, covering injuries and property damage in accidents. Customize coverage based on state requirements.
- Collision Coverage: Optional nationwide, it handles repair expenses from accidents, including collisions with other vehicles or single-vehicle mishaps.
- Comprehensive Coverage: Optional nationwide, it covers replacement costs if stolen and repairs for vandalism, storms, fires, and other damages.
- Uninsured and Underinsured Motorist Coverage: Protects against uninsured snowmobile accidents in states without required liability insurance.
- Roadside Assistance: Provides coverage for breakdowns, fuel issues, and being stuck, offering peace of mind during snowmobiling.
- Accessory Coverage: Safeguards items like plow blades, winches, trailers, electronics, and custom modifications.
- Medical Payments Coverage: Reimburses medical expenses post-accident regardless of fault, similar to health insurance.
As you embark on snow-covered escapades, ensuring comprehensive insurance coverage is paramount. From mitigating liability risks to protecting against unforeseen mishaps, each policy discussed plays a pivotal role in safeguarding your snowmobiling experiences.
Cost of Snowmobile Insurance
Snowmobile insurance expenses typically range from $100 to $1,000 annually, with costs dependent on your snowmobile’s value and specific insurance policy.
Top Auto Insurance for High-Risk Drivers: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $39 | $59 |
| American Family | $49 | $114 |
| Farmers | $53 | $139 |
| Liberty Mutual | $44 | $117 |
| Nationwide | $44 | $115 |
| Progressive | $22 | $105 |
| Safeco | $68 | $174 |
| State Farm | $33 | $86 |
| Travelers | $61 | $160 |
| USAA | $27 | $71 |
- Snowmobile make, model, and year
- Actual cash value (ACV) of the snowmobile
- Driving record and claims history
- Age and demographic information
- ZIP code and riding location
- State regulations and riding conditions
- Deductible amount
- Insurance policy customizations or riders (e.g., aftermarket parts)
- Additional coverage items (comprehensive coverage, roadside assistance, etc.)
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Snowmobile Insurance Discounts
Understanding Snowmobile Insurance Requirement
The Bottom Line
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Frequently Asked Questions
How much does snowmobile insurance cost?
The cost of snowmobile insurance can vary based on several factors, including the type of coverage you choose, the value of your snowmobile, your location, your driving history, and the insurer you select. On average, snowmobile insurance can range from $100 to $400 per year.
It’s recommended to obtain quotes from different insurance providers to get a better idea of the specific cost for your situation.
What factors affect the cost of snowmobile insurance?
Various factors influence the cost of snowmobile insurance, including:
- Make, model, and year of your snowmobile
- Value of your snowmobile
- Your age
- Your driving experience
- Your claims history
- Coverage options you select
- The area where you ride your snowmobile
Additionally, your insurance provider may have their own underwriting criteria and rating factors that impact the premium. Enter your ZIP code to compare.
Is snowmobile insurance mandatory?
Snowmobile insurance requirements vary by jurisdiction. Some states or provinces may require liability insurance for snowmobiles operated on public lands or trails. However, there are areas where snowmobile insurance is not mandatory.
Can I insure multiple snowmobiles under one policy?
Yes, most insurance companies offer the option to insure multiple snowmobiles under a single policy. It can often be more convenient and cost-effective to insure multiple snowmobiles together, as insurers may offer discounts for bundling policies. Enter your ZIP code for details.
Does snowmobile insurance cover theft?
Yes, if you have comprehensive coverage included in your snowmobile insurance policy, it generally covers theft. Comprehensive coverage protects against a range of risks, including theft, vandalism, fire, and certain weather-related damage.
However, it’s important to review your policy or speak with your insurance provider to understand the specific terms, conditions, and coverage limits for theft incidents.
How much does snowmobile insurance cost?
Am I required to have snowmobile insurance?
Is the snowmobile insurance price inexpensive?
Snowmobile insurance prices can vary depending on factors like coverage options, snowmobile value, and insurance providers. It’s essential to explore snowmobile insurance quotes from different companies online to find a suitable plan that covers snowmobile damage, provides adequate coverage, and fits your budget.
What does snowmobile insurance cover?
What are the snowmobile insurance companies?
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
