Best Snowmobile Insurance in 2025 (Find the Top 10 Companies Here!)

The top picks for the best snowmobile insurance are Progressive, Farmers, and Erie, known for their outstanding coverage options and customer service.

These providers offer policies that guard against accidents, theft, and weather damage, allowing you to safely enjoy winter adventures. With options ranging from liability to comprehensive coverage, there’s a plan for every snowmobile enthusiast. Learn more in our article titled “Tips for Winter Driving Safety – Everything You Need to Know.”

Our Top 10 Company Picks: Best Snowmobile Insurance

Selecting the appropriate insurance involves evaluating the offerings from leading companies to secure the best full coverage snowmobile insurance, ensuring optimal protection.

Enter your ZIP code above to compare quotes instantly and find the cheapest insurance available.

#1 – Progressive: Top Overall Pick

Pros

• Multi-Vehicle Discount: Progressive offers a 12% discount for insuring multiple vehicles.
• Excellent Credit Rating: A+ rating from A.M. Best ensures strong financial health. Read up on the “Progressive Insurance Review & Ratings” for more information.
• Competitive Premiums: Known for offering some of the most competitive rates in the industry.

Cons

• Limited High-Risk Coverage: May not offer the best rates for high-risk drivers.
• Customer Service Variability: Some customers report variability in service quality.

#2 – Farmers: Best for Comprehensive Coverage

Pros

• Higher Multi-Vehicle Discount: Farmers offers a significant 20% discount for multiple vehicles.
• Robust Coverage Options: Provides a wide range of comprehensive coverage options.
• Solid Financial Standing: Holds an A rating from A.M. Best. Discover insights in our article titled “Farmers Insurance Review & Ratings.”

Cons

• Higher Premiums: Premiums can be higher compared to competitors.
• Policy Cost Variability: Costs can vary significantly between states.

#3 – Erie: Best for Customer Service

Pros

• Personalized Customer Service: Erie is renowned for its superior customer service.
• Consistent Coverage: Offers reliable insurance coverage across various policies.
• Strong Financial Rating: Maintains an A+ rating from A.M. Best. Unlock details in our article titled “Erie Insurance Review & Ratings.”

Cons

• Limited Availability: Erie’s coverage is not available nationwide.
• Less Competitive for Multi-Vehicle: Only offers a 10% discount for multiple vehicles.

#4 – Nationwide: Best for Financial Stability

Pros

• High Multi-Vehicle Discount: Provides a 20% discount for insuring multiple vehicles.
• Exceptional Financial Strength: A+ rating from A.M. Best indicates strong financial resilience.
• Variety of Discounts: Offers a range of discounts that can reduce premium costs. More information is available about this provider in our article titled “Nationwide Insurance Review & Ratings.”

Cons

• Price Points: Can be expensive without discounts.
• Policy Options: Less flexible in policy customization compared to some peers.

#5 – State Farm: Best for Claims Processing

Pros

• High Multi-Vehicle Discount: Offers a 20% discount for multi-vehicle policies. Discover more about offerings in our article titled “State Farm Insurance Review & Ratings.”
• Diverse Coverage Options: Wide range of coverage options tailored for different needs.
• Substantial Low-Mileage Discount: Provides significant savings for low-mileage drivers.

Cons

• Limited Multi-Policy Discount: Comparatively lower multi-policy discounts.
• Higher Premium Costs: Premiums may still be relatively high despite discounts.

#6 – Liberty Mutual: Best for Customizable Policies

Pros

• Highest Multi-Vehicle Discount: Offers the largest discount of 25% for multi-vehicle policies.
• Highly Customizable Policies: Allows extensive customization of policies to fit individual needs.
• Strong Financial Rating: Rated A by A.M. Best, ensuring good financial health. If you want to learn more about the company, head to our article titled “Liberty Mutual Review & Ratings.”

Cons

• Inconsistent Pricing: Customers may experience variability in pricing.
• Customer Service Issues: Some reports of less satisfactory customer service.

#7 – USAA: Best for Military Savings

Pros

• Exclusive Military Discounts: Offers specialized discounts for military members and their families.
• Top-Notch Financial Rating: Highest rating of A++ from A.M. Best. Access comprehensive insights into our article titled “USAA Insurance Review & Ratings.”
• Tailored Services: Policies specifically designed to meet the needs of military personnel.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their families.
• Limited Physical Locations: Fewer physical branches compared to other insurers.

#8 – Chubb: Best for High Value

Pros

• Ideal for High-Value Assets: Best suited for insuring high-value properties and vehicles. Delve into our evaluation of our article titled “Chubb Insurance Review & Ratings.”
• Exceptional Financial Strength: A++ rating from A.M. Best highlights robust financial stability.
• Superior Policy Benefits: Offers high-end benefits not typically available with other insurers.

Cons

• Higher Cost: Generally more expensive than other insurers.
• Niche Market Focus: Best benefits are geared towards wealthier clients.

#9 – Allstate: Best for Trusted Brand

Pros

• High Multi-Vehicle Discount: 25% discount for insuring multiple vehicles.
• Trusted Brand: Well-established brand with a strong market presence. See more details on our article titled “Allstate Insurance Review & Ratings.”
• Variety of Policy Options: Wide range of insurance options and rider additions.

Cons

• Variable Customer Satisfaction: Customer satisfaction can vary widely by region.
• Costlier Premiums: Generally higher premiums without discounts.

#10 – The Hartford: Best for Senior Discounts

Pros

• Tailored Discounts for Seniors: Offers substantial discounts and benefits for seniors.
• Comprehensive Senior Coverage: Policies designed with the needs of seniors in mind.
• Strong Financial Health: A+ rating from A.M. Best. Check out insurance savings in our complete article titled “The Hartford Insurance Review & Ratings.”

Cons

• Age-Specific Benefits: Benefits are primarily geared towards older adults.
• Limited Appeal for Younger Clients: Less competitive for clients outside the senior demographic.

Snowmobile Insurance Monthly Rates by Coverage Level & Provider

The rates for minimum coverage snowmobile insurance vary from $18 to $27, depending on the provider, with Erie offering the most affordable option at $18 per month. For full coverage, prices range from $40 to $55 per month, with Erie again providing the most cost-effective rate at $40. Other companies, such as Chubb, offer full coverage at the higher end of the spectrum, costing $55 per month.

This information reveals that insurers such as USAA and The Hartford generally have higher rates for both types of coverage, whereas companies like Erie consistently offer lower premiums. This makes Erie appealing to budget-aware consumers seeking a Geico snowmobile insurance quote.

What Is Snowmobile Insurance

Snowmobile insurance, similar to coverage for other off-road vehicles like ATVs and dirt bikes, offers protection for you and your vehicle. Commonly available are liability, comprehensive, and collision coverages. Liability insurance covers damages if your snowmobile hits an object, including bodily injury to others and property damage to vehicles or buildings.

Comprehensive insurance shields snowmobiles from non-collision incidents such as weather damage, animal interactions, vandalism, and theft. Meanwhile, collision coverage ensures your snowmobile is repaired or replaced following accidents, regardless of fault. This coverage contributes to the average cost of snowmobile insurance. Discover insights in our article titled “Collision vs. Comprehensive Car Insurance.”

What Does Snowmobile Insurance Cover

Beyond the basic, affordable snowmobile insurance options, there are numerous add-ons available to enhance your coverage. For those concerned about accidents, additional collision coverage can be purchased to protect against damage to your snowmobile. If legal liabilities worry you, increased liability coverage is an option. Discover more about offerings in our guide titled “Liability Insurance: A Complete Guide.”

Uninsured/underinsured motorist coverage is crucial, considering that snowmobile insurance is less common and not every driver maintains proper insurance; this add-on steps in if an underinsured driver damages your snowmobile. Accessory coverage is also available to protect equipment such as windshields, riding gear, eyewear, helmets, and other custom upgrades.

Opt for year-round snowmobile coverage for ongoing protection. Include tow and transport coverage for safety while traveling and get coverage for aftermarket parts. Consult your insurance agent to customize your policy, as available add-ons differ by company. This approach influences the average snowmobile insurance cost.

What Companies Sell Snowmobile Insurance

While snowmobile insurance might sound like a rare type of coverage, several major insurance companies offer it:

• Allstate
• Geico
• Nationwide
• Progressive
• American Family
• Dairyland
• Sled Insure
• Safeco
• Amica

There are many snowmobile insurance rates available, so it’s crucial to compare options. State Farm offers extensive coverage but may not be the cheapest. Always compare, including options like Geico snowmobile insurance, to ensure you find the most cost-effective plan. Unlock details in our guide titled “Insurance Quotes Online.”

Is Snowmobile Insurance Expensive

Although certain factors can increase the cost, snowmobile insurance generally remains quite economical. Opting for a liability-only policy can offer some of the best snowmobile insurance rates, usually between $10 and $20 a month, which is considerably less than the typical $43 monthly cost for off-road motorcycle insurance. Learn more in our guide titled “Best Car Insurance.”

Keep in mind that while liability insurance is less expensive, it only covers damage to others and their property, not repairs or replacements for your snowmobile. For comprehensive protection of your snowmobile, it’s wise to invest in both collision and comprehensive coverage, even though they come at a higher cost. This approach is especially important if you’re considering purchasing snowmobile insurance online.

Snowmobile insurance rates are impacted by numerous factors, including state-specific variations—such as the difference between New Hampshire and Maine snowmobile insurance prices. It is advisable to compare costs, as they can vary greatly from one state to another. Canceling insurance in the off-season can lead to higher future rates and potential coverage denial due to gaps.

Is Snowmobile Insurance Worth It

If you have a snowmobile, investing in coverage from a snowmobile insurance company is likely a smart decision. Additionally, some states, like Pennsylvania, North Dakota, South Dakota, New York, and Vermont require coverage on your snowmobile.

States mandating snowmobile insurance usually require just liability coverage, which is relatively affordable. However, most states also require that snowmobiles be registered. For specific snowmobile insurance quotes, it’s wise to consult with an insurance provider. If you don’t know what the laws are in your state, you can visit your state’s MVD page.

It’s advisable to insure any vehicle, especially snowmobiles, which cost between $9,000 and $16,000 new—a major loss if damaged. Insurance not only safeguards this investment but also shields you from legal liabilities, potentially saving you from lawsuits that could cost tens of thousands of dollars. Liability coverage offers essential protection in such scenarios.

Find the Best Snowmobile Insurance Today

While snowmobile insurance is not required in most states, it is a prudent choice for any owner. Whether you use your snowmobile for fun or work, securing insurance can greatly improve your vehicle’s safety and durability. For local options, search for “snowmobile insurance near me” to find providers in your area. Check out insurance savings in our complete guide titled “Best Safety Features Car Insurance Discounts.”

Investing in snowmobile insurance provides financial security by protecting against losses due to accidents, theft, or damage, ensuring you can enjoy and maintain your snowmobile without facing hefty costs. This makes it a wise choice for affordable snowmobile coverage. Thus, low-cost snowmobile insurance not only brings peace of mind but also ensures the longevity of your vehicle.

If you’re interested in coverage, comparing rates from snowmobile insurance companies can help you save money. Enter your ZIP code below into our free tool if you’re ready to discover what insurance quotes might look like for you.