Snowmobile Insurance

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Riding a snowmobile is a rip-roaring winter pastime, but it comes with its share of risks – especially when you're sledding at high speeds in low-visibility, snowy weather. Progressive stands out among snowmobile insurance companies because we offer the right protection at an affordable price.

Is snowmobile insurance required?

Snowmobile insurance is mandatory in a few states and is required while riding in some snowmobile parks. If you financed your snowmobile, your lender may also require you to have coverage through the duration of your loan. Snowmobile accidents are common, so it's wise to be protected even in states where insurance is optional. Learn more about how snowmobile insurance works.

How much is snowmobile insurance?

Snowmobile insurance rates will largely depend on your location, age, driving/riding history, and the make and model of your machine.

Picture of a person driving a snowmobile

Ways to Save

Save with discounts on snowmobile insurance^†

Responsible driver

We'll reward you with a discount if you've had no motor vehicle violations or accidents in the last three years.

Multi-policy

Already have another policy with us, such as home, renters, auto, RV, or boat? Add snowmobile insurance and get a bundle discount.

See more on bundling insurance

Safety course

Earn a discount for completing a snowmobile safety course.

< class="h4-style">Homeowners

Owning a home is an easy way to get a discount on your snowmobile policy. Learn more about homeowners insurance.

< class="h4-style">Prompt payment

We'll add another discount to say thank you for paying on time. You'll get this on your first snowmobile policy with Progressive, and you'll continue to receive it when you renew if you've had no late payments.

Customized snowmobile insurance coverages

A snowmobile policy from Progressive can provide snowmobile insurance coverage types, including:

STANDARD COVERAGES

Bodily injury and property damage liability

Pays for injuries and/or property damage you cause to others while riding your snowmobile, up to the limits of your policy.

Uninsured/underinsured motorist bodily injury and property damage

If you're injured by another rider with no insurance or not enough of it, your UMBI/PD "kicks in” up to your policy's limits. Learn more about uninsured motorist property damage coverage.

Comprehensive and collision

Comprehensive coverage pays to repair or replace your snowmobile if it's stolen or vandalized. You're also covered for damage from fire, hitting an animal, or weather-related incidents. Collision coverage covers your snowmobile if damaged in an accident with another vehicle or object.

Medical payments

Medical payments coverage pays for hospital bills, regardless of fault, if you, your passengers, or anyone involved in a snowmobile accident is injured.

Accessories and custom parts/equipment

If you've made enhancements or upgrades to your snowmobile that weren't factory installed, accessory and custom parts/coverage equipment automatically provides up to $3,000 in coverage if you have comprehensive and collision on your policy. You can purchase additional coverage up to $30,000.