Insurance for Snowmobiles in Maine, New Hampshire, and Vermont

Local Insurance for Your Snowmobile

New England weather makes the perfect seasonal conditions for snowmobile riding. This winter, make sure you and your snowmobile are properly covered with adequate insurance coverages by contacting your local Maine, New Hampshire, or Vermont Cross Insurance office locations.

snowmobile rider pulling cord to start his snowmobile in snowy climate

What is Snowmobile Insurance?

Snowmobile insurance, similar to a typical auto insurance policy, helps to cover your snowmobile in the event a covered accident occurs. When looking at your snowmobile coverage options, the type of policy and provider you choose will help to determine the type and amount of protection you have. Reach out to a local insurance agent to review your policy today.

Snowmobile Insurance: What is Covered?

Typically, snowmobile insurance policies will cover a few basic areas, these being collision, comprehensive, uninsured motorists, and liability. Some additional coverages you may want to add to your policy is increased liability and equipment coverage. The following is a breakdown of each of the coverages that are typically included in a snowmobile insurance policy.

  • Collision Coverage

Collision coverage provides compensation to you if your snowmobile is damaged in an accident deemed a covered event.

  • Comprehensive Coverage

Comprehensive coverage provides compensation to you if your snowmobile is damaged from a covered event other than a collision, such as theft, vandalism, hail, accidents with animals, etc.

  • Uninsured Motorist

Uninsured motorist coverage can provide compensation when a person who is legally liable for an accident doesn’t have liability insurance. Damages to your snowmobile and/or medical expenses that would normally be covered under the other driver’s insurance policy may be covered under this type of coverage.

  • Liability Coverage

Liability coverage provides compensation to others if your negligence causes them to suffer an injury or their property is damaged.

  • Accessory Coverage

An optional coverage you can choose to include is an equipment or accessories coverage for things such as aftermarket parts, custom paint and wraps, performance equipment, storage bags, GPS accessories, and more.

close up of front ski of snowmobile on a mountainous trail

Snowmobile Insurance Quotes

Your snowmobile isn’t only a seasonal toy, it is a machine that you maintain, take care of, and have made an investment in. Protect your investment by making sure you have adequate insurance coverages for your snowmobile by requesting a custom quote. Contact your local Cross Insurance office to connect with one of our agents to start the insurance process today.

How Much is Insurance for Snowmobiles?

Like other motorized vehicles, such as a car, motorcycle, ATV, RV, and personal watercraft, pricing for snowmobile insurance varies due to a variety of factors. The following are some of the aspects that may affect your rate.

  • The year, make and model of your snowmobile can affect your potential costs. For example, a newer, more expensive, and typically faster snowmobile will tend to affect your policy more than an older machine.
  • Where you live can affect your insurance rates. State laws and regulations that riders must follow vary, as well as which states require insurance at all.
  • Where will you ride your snowmobile? Will you be riding out behind your home on your own property, on a provided course, or in a different state from where you live? Each presents its own levels of liability and risks.
  • Your age, driving record, and in some cases your profession can alter how cheap or expensive your insurance may be.
  • The intended usage of your snowmobile may have a substantial impact on your snowmobile insurance rate. A snowmobile used for leisure versus commercial snowmobile use, versus a snowmobile used for racing, may yield substantially different results.

What Discounts are Available for Snowmobile Insurance?

Discounts are an important part of the insurance process. Knowing which discounts are available for you to take advantage of is an important part of researching and preparing to get an insurance quote.

  • One of the best ways to save money on snowmobile insurance is to drive safely. The fewer the number of accidents and claims that are on your record, the potentially lower your insurance premiums may be.
  • Bundling coverages is a popular way to save money if you have multiple policies with the same insurance provider. Combining your home, auto, and snowmobile insurance together can potentially help you save.
  • Getting quotes on insurance for your snowmobile from multiple insurance companies can be another great way to compare rates and save.

snowmobile trail in winter scenery


Regardless of if you’re looking for a new policy for your snowmobile or you are looking to renew your existing policy, calling Cross Insurance or filling out this form may provide you the assistance you are searching for. We work with multiple carriers to help you find competitive insurance options for your snowmobile.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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