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The Hartford Offers Snowmobile Insurance Coverage You Need
Your snowmobile insurance needs can vary depending on where you live and how you use your recreational vehicle. The Hartford's Nutmeg Insurance Agency offers coverage for snowmobiles and sleds through a trusted specialty carrier that makes it easy for you to choose the right coverage. We’ll guide you through our available options, so you can decide which affordable snowmobile insurance fits your needs. Get a free quote today by calling 800-555-2510.
What Is Snowmobile Insurance?
Snowmobile insurance is a type of insurance that’s designed to protect your snowmobile from damage, theft or liability risks, offering financial protection whether you’re riding or storing it.
More specifically, a snowmobile insurance plan covers your vehicle if it’s damaged by a covered loss, like a collision with another vehicle, damage from falling objects, fire and theft. It also provides protection if you are found responsible for someone else’s bodily injury or property damage while riding your snowmobile.
Tip:
If you own a snowmobile, it’s a smart financial decision to have insurance coverage.
How Much Is Snowmobile Insurance per Year?
The average cost to insure a snowmobile is about $15 per month, or about $120 to $240 per year.**
However, the cost you’ll pay for a snowmobile policy depends on several factors, including your:
- Driving/riding history: If you have accidents or an unsafe driving history, you may have to pay more for coverage since you’ll be viewed as a riskier driver.
- Location: When determining your insurance costs, carriers consider where you live, including how populated your area is, from the slopes of North Dakota to the New Hampshire mountains.
- Age: Both your age and the age of your snowmobile are factors when creating your unique price. If your snowmobile is older, it may cost less to insure because it’ll likely be cheaper to fix if you get into an accident.
- Snowmobile make and model: Your specific snowmobile plays a significant role in pricing. If you have a higher-end model with new technology that’s costly to repair or replace, it’ll likely cost more to insure.
- Coverage limits: How much protection you have on your policy matters in terms of short- and long-term savings. A higher deductible may result in smaller insurance payments, but you’ll have to pay more out of pocket if an accident happens.
Discounts on Snowmobile Insurance Quotes
At The Hartford, we believe in helping our customers save. That’s why we’re here to help you figure out which snowmobile insurance discounts you may be eligible for, some of which include:
- Completing a snowmobile safety course: Take an approved safety course and you can save on your snowmobile insurance
- Paying your bill in full: Paying your bill in full can help unlock a discount.
- Lay-Up Discount: For vehicles laid up and stored for lengths of time during the year.
What Does Snowmobile Insurance Cover?
No matter where you live and what your state requirements are, you’ll enjoy riding even more knowing that The Hartford has you protected with these coverage options:
With bodily injury liability coverage, you’ll get help with legal costs if you’re in a snowmobile accident and injure another person. This coverage is typically required in most states.
Comprehensive insurance, also known as Other Than Collision coverage, helps pay for other snowmobile damage expenses caused by things like fire, theft, vandalism or an accident involving an animal.
Underinsured/uninsured motorist coverage: If you’re in an accident with a rider who doesn’t have any or enough insurance, this coverage will help pay for damage to your snowmobile or injuries to you or your passengers.
Collision insurance helps pay for damage to your snowmobile if you are in an accident with another vehicle or object, like a shed.
Medical payments coverage helps pay for medical expenses for you and your passengers if you’re in a snowmobile accident.2
Coverage You Can Count On
Whether you’re looking for an auto policy or to cover your snowmobile, trailer or other ride, The Hartford has the vehicle insurance coverage you need to drive with confidence.
How To Compare Snowmobile Insurance Policies
To ensure you have the coverage you need without breaking the bank, it’s a good idea to compare snowmobile insurance quotes. A general rule of thumb is to try to create the same policy across multiple carriers. To do this, be sure to:
Make sure both policies have the same amount of protection, so you have enough coverage whether you’re riding or storing your snowmobile. Remember: the cheapest snowmobile insurance quote isn’t typically the best, as it can lack adequate protection.
While you’re looking into multiple quotes, be sure you’re selecting equal deductible and limit amounts, as those play a big role in determining your final insurance price.
Do discounts or benefits differ between insurance carriers? Make sure you apply any eligible discounts you can to your policy to maximize your potential savings.
Get a Snowmobile Insurance Quote
With snowmobile insurance coverage through The Hartford's Nutmeg Insurance Agency, you can enjoy all the winter fun a snowmobile has to offer through a trusted carrier. Call today to get a free snowmobile insurance quote at 800-555-2510.
Snowmobile Coverage Frequently Asked Questions
Is Snowmobile Insurance Required?
Most but not all states require insurance for snowmobiles. Even if your state doesn’t say you have to have snowmobile insurance, your lender may require it if you lease or finance your snowmobile. In the event of an accident, snowmobile insurance can help protect you by paying for damages and injuries, so it’s a good idea to purchase a policy regardless.
How Does Snowmobile Insurance Work?
If you’re in an accident, snowmobile insurance can help pay medical bills from injuries and the cost to fix your snowmobile. Snowmobile insurance coverage can also help pay for damages to your snowmobile caused by fire, theft or vandalism and applies whether you’re out riding or storing it for the season.
Does a Homeowners Policy Cover Snowmobiles?
No, a standard homeowners insurance doesn’t typically cover snowmobiles, so you’ll need to have a separate policy.
Does a Rented Snowmobile Need Insurance?
Yes, whether your snowmobile is owned or rented, it’s a good idea to carry coverage. In fact, you may have certain snowmobile insurance coverage requirements by your lender if it’s financed. If you have a snowmobile policy already and rented a snowmobile to use, then coverage may extend to it, but there are typically no policies just for a rented snowmobile.
Is Snowmobile Insurance Worth It?
Yes, snowmobile insurance is usually a smart investment to make as it helps protect your vehicle and yourself, whether it’s from legal fees, damage that occurs during storage or hitting a shed while out exploring.
What Kind of Insurance Do I Need for My Snowmobile?
Snowmobile insurance offers a range of coverages to help protect you from many things, like vandalism, fire or colliding with an animal.
Can I Get Annual Coverage for My Snowmobile?
Yes, if you’re riding your snowmobile year-round, The Hartford offers insurance options and coverage to meet your specific needs.
Coverage for Other Vehicles
Last Updated: April 24, 2026
** ValuePenguin, “Snowmobile Insurance: What Does It Cost?,” viewed March 2026.
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
Not all coverages are available in all states.
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, American Modern Home Insurance Company d/b/a American Modern Insurance Company (Lic. No 222-8) in CA, American Family Home Insurance Company in AR and GA (Personal Watercraft only) and American Modern Home Insurance Company in all other states, or by one of the licensed insurers of Foremost Insurance Company through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc or Foremost Insurance Company.
Additional disclosures below.