Best Snowmobile Insurance in 2024 (Find the Top 10 Companies Here!)
Explore the best snowmobile insurance options with leading providers Progressive, Farmers, and Erie, starting at $18/month. These companies excel in offering comprehensive coverage tailored to various snowmobile requirements, ensuring superior protection, reliability, and value for every enthusiast.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jun 26, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 26, 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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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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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
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 12% A+ Competitive Rates Progressive
#2 20% A Comprehensive Coverage Farmers
#3 10% A+ Customer Service Erie
#4 20% A+ Financial Stability Nationwide
#5 20% B Claims Processing State Farm
#6 25% A Customizable Policies Liberty Mutual
#7 10% A++ Military Savings USAA
#8 12% A++ High Value Chubb
#9 25% A+ Trusted Brand Allstate
#10 25% A+ Senior Discounts The Hartford
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.
- Progressive stands out as the top choice for best snowmobile insurance
- Snowmobile insurance covers risks like accidents, theft, and weather damage
- Policies cater to diverse needs, from liability to comprehensive coverage
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#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.
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#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.
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#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.
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#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
Insurance Company Minimum Coverage Full Coverage
Allstate $24 $50
Chubb $25 $55
Erie $18 $40
Farmers $22 $50
Liberty Mutual $23 $52
Nationwide $21 $47
Progressive $20 $45
State Farm $19 $44
The Hartford $26 $48
USAA $27 $46
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.
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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.”
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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.
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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.”
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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.
Frequently Asked Questions
What is snowmobile insurance?
Snowmobile insurance is a type of insurance policy that provides coverage for snowmobiles, also known as snow machines or sleds. It can protect against damage to the snowmobile, as well as liability coverage in case someone is injured or property is damaged as a result of the snowmobile.
For additional details, explore our comprehensive resource titled “Best Snow Tire Car Insurance Discounts.”
Why do I need snowmobile insurance?
Snowmobile insurance is important because it can protect you financially in case of an accident or other covered event. Without insurance, you could be responsible for expensive repairs to your snowmobile or even lawsuits if you cause injury or property damage to others while operating your snowmobile.
What are the best snowmobile insurance companies?
The best snowmobile insurance companies vary depending on your location, personal needs, and budget. Some of the top companies include Progressive, Allstate, Nationwide, Geico, and Foremost. It’s important to compare quotes from multiple companies to find the best coverage at the most affordable price.
What does snowmobile insurance typically cover?
Snowmobile insurance typically covers damage to the snowmobile as a result of an accident, theft, or other covered events, as well as liability coverage in case someone is injured or property is damaged as a result of the snowmobile. Some policies may also include coverage for accessories and equipment, such as trailers or snowmobile helmets
How much does snowmobile insurance cost?
The cost of snowmobile insurance varies depending on several factors, such as the value of the snowmobile, the level of coverage you desire, and your location. On average, snowmobile insurance costs between $8 and $25 per month.
To find out more, explore our guide titled “Free Insurance Comparison.”
Is snow mobile insurance different from other vehicle insurance?
While similar in structure to auto insurance, snow mobile insurance is specifically tailored to cover the unique risks associated with operating snowmobiles.
Which provider offers the cheapest snowmobile insurance?
The cheapest provider can vary, but comparing quotes from multiple companies is the best way to find the lowest price.
Where can I find snowmobile quotes?
Snowmobile quotes can be obtained online from various insurance providers or by contacting insurance agents specializing in recreational vehicle insurance.
How do I get a snowmobile insurance quote?
Request a quote directly from insurance companies through their websites or via phone by providing details about your snowmobile and desired coverage.
To learn more, explore our comprehensive resource on “Compare Car Insurance Quotes.”
How do I file a snowmobile insurance claim?
Contact your insurance provider to report the incident as soon as possible, and follow their specific claims process which may involve submitting evidence and police reports.
How much does a new snowmobile cost?
A new snowmobile can cost between $750 and $1,333 per month, depending on the brand, model, and features, when spread over a year.
Stop overpaying for your insurance by entering your ZIP code below to find the lowest rates in your area.
Where can I find cheap snowmobile insurance?
Cheap snowmobile insurance can be found by comparing quotes from different insurers and looking for discounts for which you may qualify.
What are typical snowmobile insurance rates?
Rates typically range from $10 to $25 per month for basic liability coverage, with full coverage costing more.
Learn more by reading our guide titled “How To Get Free Insurance Quotes Online.”
Can you recommend good snowmobile insurance companies?
Top recommended companies include Progressive, Farmers, and Erie, known for their comprehensive coverage options and customer service.
What is discount snowmobile insurance and how can I qualify for it?
Discount snowmobile insurance offers reduced rates to eligible customers. Qualification may depend on factors like a clean driving record, bundling policies, or being a member of certain organizations.
Can I get good coverage with inexpensive snowmobile insurance?
Good coverage with inexpensive snowmobile insurance is possible, especially if you prioritize essential protections and look for value-added discounts or bundle options.
Why is insurance for snowmobile necessary?
Insurance for snowmobile is crucial as it protects against financial losses due to accidents, theft, and other damage, ensuring financial security while you enjoy your ride.
Access comprehensive insights into our guide titled “Is car theft covered by car insurance?”
Which is the best snowmobile for the money?
The best snowmobile for the money offers a balance of performance, durability, and affordability. Brands like Polaris and Yamaha often provide great value based on these criteria.
How do I choose the right snowmobile insurance agency?
Choosing the right snowmobile insurance agency involves researching their reputation, policy options, customer service quality, and ease of claim processing. Always compare multiple agencies to find the best fit for your needs.
How can I get snowmobile rental insurance?
You can obtain snowmobile rental insurance through the rental company offering the snowmobile or by checking with your current insurance provider to see if they offer a policy that extends to rented snowmobiles.
Enter your ZIP code below in our free tool to start seeing quotes today.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
