Collision
Repairs or replaces your machine after you hit something — a tree, a berm, another sled — no matter who was at fault.
Snowmobile & Snow Machine Insurance
Cover the sled.Then go ride.
Snowmobile and snow machine insurance in all 50 states
Recreational coverage for snowmobiles and snow machines — trail sleds, mountain sleds, touring, utility, and youth machines. Request a quote online in minutes, or call and build it on the phone.
No obligation · Same-day quotes · Coverage available in all 50 states
Coverage in all 50 statesQuote year-round, not just in seasonRecreational riders only
Coverage
Built for how sleds actually get wrecked
Trees, rocks, thin ice, a trailer that came unhitched, a machine lifted out of the garage in April. Pick the parts you want and leave the rest.
Comprehensive
Theft, vandalism, fire, hail, and a sled that goes through the ice. The damage that happens when you aren't riding it.
Liability
Covers injuries or property damage you cause to someone else. Most states do not require it on a snowmobile, but lenders and trail permit programs often do.
Trailer & transport
Your enclosed or open trailer, and the machines on it, while you're hauling to the trailhead.
Accessories & gear
Aftermarket skis, tracks, bumpers, GPS, helmets, and riding gear — scheduled up to the limit you pick.
Medical payments
Helps with your own medical bills after a crash, regardless of fault. Useful when the ride is a long way from a road.
Availability
Where, when, and what we can write
Snowmobile rules change at the state line, and so do our phone lines. Here is exactly what applies before you spend time on a quote.
- States
- All 50 statesCarrier options and available limits vary by state and by machine.
- CA & NY
- Handled on a separate lineOur (866) 347-8683 line cannot quote California or New York. Call (833) 844-4357 instead.
- Season
- Quote any month of the yearBuy in July if you want. Ask about lay-up or reduced off-season options where a carrier offers them.
- Use
- Recreational riding onlyTrail, mountain, touring, utility, and youth machines. Racing, rentals, and guided rides route to a different desk.
- Machines
- New, used, and vintageIncluding sleds financed through a dealer that require proof of physical damage coverage.
- Turnaround
- Same-day quotesMost riders hear back the same business day, and get proof of insurance by email once a policy is bound.
How it works
Three steps, one riding season
01
Tell us about the machine
Year, make, model, where it's stored, who rides it, and what it's worth. A couple of minutes, no documents needed.
02
Compare the options
We shop carriers that write recreational snowmobiles and bring back limits, deductibles, and prices side by side.
03
Bind and get your proof
Pick a quote, pay, and your ID card and declarations page land in your inbox.
Also quotable
The sled is what we're known for. It isn't all we write.
Same people, same phone numbers. If it hauls, floats, tows, or sits in the driveway half the year, ask about it.
Snow & off-road
Towable & RV
Common questions
The six things people ask first
Can you write snowmobile insurance in my state?
Yes — coverage is available in all 50 states. Which carriers can quote you, and what limits they offer, changes from state to state and by machine.
Why can't the (866) 347-8683 line quote California or New York?
Those two states are handled by a separate desk. Call (833) 844-4357 instead, Monday to Friday, 8am to 5pm Pacific or 11am to 8pm Eastern.
Can I get a quote in the summer?
Yes. Quotes run year-round, not just in riding season. Ask about lay-up or reduced off-season options, which some carriers offer and some don't.
Do you cover racing, rentals, or guided rides?
Not on a standard recreational policy. Send the form anyway and it routes to someone who handles that kind of risk. The same applies to machines modified past stock.
Can you insure a vintage or financed snowmobile?
Both. New, used, and vintage machines all get quoted, including sleds financed through a dealer that require proof of physical damage coverage.
How long does a quote take?
Most riders hear back the same business day. Once a policy is bound, the ID card and declarations page arrive by email.
Get a quote before the first real snow
Start online and we'll pick it up from there, or call and we'll build it with you on the phone.