Snowmobile Insurance

Do you ride your snowmobile in your driveway, weaving in and out of your flowerpots? We doubt it. So why would you insure it with a policy meant for a home?

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Take care of your insurance needs with a licensed agent in your area.

Get an Online Quote

Online requests will be sent via email within 2-3 business days.

We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.

Snowmobile Insurance Coverage

See what can be covered under a Foremost Insurance snowmobile policy.

Annual Policies

Our annual policies offer coverage for your snowmobile all year long, including in the off-season.

Liability Coverage

If you are legally liable for damages resulting from a snowmobile accident, Liability coverage can help pay for the other person's damages.

Collision Coverage

If you crash your snowmobile, Collision coverage can help you pay for your repairs, even if you're at fault.

Medical Payments Coverage

If you're injured in a snowmobile accident, this coverage can help with medical bills.

Increased Limits

You can choose how much Liability coverage you want for your snowmobile.

Additional Coverages

For an additional fee, you can purchase Transport Trailer coverage, Optional Equipment coverage and more.

Snowmobile Insurance Discounts

Here are a few Snowmobile Insurance discounts you can get with Foremost:

Multi-Vehicle

If you ensure another off-road vehicle with us (in addition to your snowmobile), you could qualify for a discount (for both vehicles).

Prior Insurance

If the first named insured had off-road vehicle insurance for at least the past six months, this discount could apply. Ask your agent for more details.

Paid in Full

If you pay your snowmobile policy in full at the time of purchase, you could receive a discount.

Snowmobile Insurance FAQ

Have questions about snowmobile insurance? We have answers!

Some states and cities require snowmobile insurance, while others don't. It's important to know that you can be held liable for injuries or damages resulting from an accident. To help protect your assets, it is a good idea to get insurance for your snowmobile regardless of where you live.
The cost of your snowmobile insurance policy can vary based on multiple factors. To get a more direct answer, you can speak to an independent agent or reach out to us for a quote.

Snowmobile Insurance Product Highlights

Helmet and Safety Apparel Coverage

When you purchase Collision coverage with us, helmet and safety apparel coverage is included for a covered collision loss.

Enhanced Rental Coverage

In our Elite package, Enhanced Rental coverage is provided for snowmobiles rented by the insured or provided for use during a test ride.

Start the journey to A Better Insurance Experience® with a quote for
snowmobile insurance.

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Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.

Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.

Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.

For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:

Foremost Choice® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.

Foremost SignatureSM Auto & Home: Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Preferred Insurance Company, Economy Fire & Casualty Insurance Company. Home office, Warwick, RI.

Bristol West® and Bristol West Insurance Services of California, Inc.: Bristol West Casualty Insurance Company, Bristol West Insurance Company, Bristol West Preferred Insurance Company, Coast National Insurance Company, Security National Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost County Mutual Insurance Company. Home office, Sunrise, FL.

Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.

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