Snowmobile Insurance

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Know Your Snowmobile's Specs

Keep your owner's manual handy to find the information you need.

Pro Tip

Your snowmobile's type, specs and age affect your coverage needs.

Snowmobile Insurance Discounts

Have multiple policies with us? That’s great. You may qualify for a reduced insurance premium with a bundling discount or other available insurance discounts.**

Benefits of Multi-Policy Insurance

Organize your policies with the MyAmFam app and save money with our multi-policy discount.**

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Customize your experience.

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Learn more about pricing and coverage options for your snowmobile.

Work with an Expert

Find the perfect agent for you and get free, no-pressure advice.

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1,700 Agents

Experts to help you get — and use — your coverage.

“Great experience with this agency. They were great in getting me and my family the knowledge and coverage's needed to suit our family. Not only were we able to get our vehicles insured but we were able to switch our homeowners, motorcycles, and snowmobiles. As an added bonus we signed ourselves and our kids up for life insurance. The agent and staff were extremely helpful with guiding us to make the right decision. Great agency guys, keep up the good work!!!” - Gracie, Wisconsin

What does snowmobile insurance cover?

Liability Insurance
Our liability coverage helps pay for others' injuries, property damage and court costs if you cause an accident in the snow. It protects you, your family and anyone driving your snowmobile with your permission.
Comprehensive and Collision Coverage
Comprehensive and collision coverage covers your snowmobile if it’s damaged, stolen or totaled. Collision coverage protects you in the event of a rollover or if you crash into a tree or another rider. Comprehensive insurance covers theft, fire, vandalism and falling objects.
Personal Property and Safety Apparel Coverage
Don’t forget your snowmobile gear. This snowmobile policy protects your personal property up to $200. It also delivers up to $1,000 of safety riding apparel coverage.
Trailer and Accessories Coverage
Your snowmobile trailer is covered by its comprehensive and collision policy. You can also get insurance for your snowmobile accessories, such as sleds, fuel containers and fire extinguishers.
Diminishing Deductible
Our Diminishing Deductible rewards you for being a safe driver by crediting your deductible $100 each year, up to your policy maximum.* It's a great way to help control what you pay for your snowmobile coverage.

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If you or someone else riding your snowmobile is injured in an accident, we have you covered. Our medical expense coverage helps pay some medical expenses up to your policy's limits. It includes ambulance charges and standard hospital expenses.

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Uninsured Motorist Coverage

Stay protected with our uninsured motorist coverage. It helps protect you financially if a driver without insurance crashes into you. So, if an at-fault driver doesn’t have insurance, this policy will still cover you.***

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Underinsured Motorist Coverage

Underinsured motorist coverage helps protect you financially when you’re on the road. You're covered if another driver is at fault for crashing into you and doesn’t have enough insurance to pay for your damages. This coverage helps pay the balance.***

View All Snowmobile Coverages

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Guidance for Snowmobile Owners

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Snowmobile Insurance Resources

Advice for Snowmobile Owners

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More Advice for Snowmobile Owners

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Custom Snowmobile Insurance Quote

Affordable coverage that fits your budget
No-hassle account management with the app
Award-winning customer service from your local agent

The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

*Deductible will be credited $50 for 6-month policy terms and $100 for 12-month policy terms. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options.

**Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.

***In Georgia, Underinsured Motorist Coverage is included in Uninsured Motorist Coverage

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