Snowmobile insurance that’s ready for the ride.

Winter is made for snowmobiling—whether you're riding frozen lakes, wooded trails, or wide-open fields across the Midwest. But with snow and speed comes risk, which is why snowmobile insurance matters. We offer coverage built for seasonal riders throughout Minnesota, Iowa, and Wisconsin, so you can enjoy the ride knowing you're protected.

Liability Coverage

Covers injuries or property damage you may cause while riding. Required for snowmobiling on public trails or roadways.

• Bodily injury liability
• Property damage liability
• Legal costs if you're sued

Collision Coverage

Covers damage to your snowmobile from crashes, rollovers, or hitting an object—whether you’re on the trail or heading across frozen ground. It helps cover repairs so you can get back to riding.

• Crashes with other vehicles or objects
• Rollovers or trail mishaps
• Coverage regardless of fault

Comprehensive Coverage

Protects your snowmobile from risks like theft, vandalism, weather damage, and even animal collisions—on or off the trail.

• Theft or fire
• Damage from falling objects
• Vandalism or animal collisions

Accessories and Trailer Coverage

Covers the extras that often travel with you—like custom parts or trailers used to haul your sled.

• Snowmobile trailer protection
• Windshields, seats, or lighting kits
• Navigation and communication gear

Common questions about snowmobile insurance.