snowmobile insurance

Protect your investment in wintertime fun and adventure

Some people settle in for a long winter's nap when the snow starts to fly. Not you. The shorter days mean it's time to fire up your sled and enjoy exhilarating rides in the wilderness with family and friends. Whether you prefer groomed trails or forging your own path through powder, your hobby allows you to reach places during winter only a snowmobile can. Make sure your prized sled is properly protected so you don't have to suffer cabin fever in the event of a claim. Safeco specializes in covering most makes and models of sport, touring, and regular snowmobiles, so talk with a local Safeco agent about the right policy for your lifestyle.
Snowmobile Coverage Options
Enjoy the flexibility of choosing the best policy to fit your life. Let a knowledgeable independent Safeco agent work with you to craft coverage to meet your unique needs.

+Custom Parts and Equipment-Custom Parts and EquipmentCustom Parts and Equipment
Custom parts reflect who you are — and they're an important part of what makes your sled distinctly yours. That's why Safeco provides $3,000 per snowmobile in custom parts and equipment coverage at no charge. Whether you've added custom handguards for warmth and protection against branches, a skidplate for your sled, or a GPS system so you can always get home, Safeco has the coverage you need. You also have the option to increase coverage up to $20,000 per snowmobile. So express yourself!
+OEM Parts Coverage-OEM Parts CoverageOEM Parts Coverage
If something happens to your snowmobile, you want to be sure the repairs are done right. Safeco's snowmobile policy automatically includes use of original equipment manufacturer (OEM) parts during repairs.
+Gear Replacement at No Extra Cost-Gear Replacement at No Extra CostGear Replacement at No Extra Cost
We appreciate that you're serious about snowmobiling safety. To reward you, Safeco provides up to $1,000 per person, per incident to replace your helmet, snow boots, goggles, gloves, and other protective gear lost or damaged in an accident. All at no extra cost and with no deductible. This is also included with liability-only policies and is something only Safeco Insurance offers.
What Your Snowmobile Policy Covers
Your mandatory snowmobile insurance requirements will vary depending on where you live. Of course, Safeco policies are written to satisfy all state requirements, so talk with a local independent agent to learn about mandatory insurance levels in your area including:

Protection for your sled
+Comprehensive-ComprehensiveComprehensive
Comprehensive coverage helps pay for repairs or replacement if your snowmobile is stolen, vandalized, or damaged in some way other than a collision. This coverage also protects you against loss or damage from flooding, fire, falling objects, wind, and collision with an animal.
+Collision-CollisionCollision
This coverage helps pay for repairs to your snowmobile for damage caused by an accident regardless of who is at fault. So you’re covered if your snowmobile is hit by or collides with another object.
Other Important Coverages
+Medical Payments-Medical PaymentsMedical Payments
No matter who is at fault, coverage is available to pay hospital bills and other medical care expenses for you and any passenger injured in an accident.
+Bodily Injury Liability-Bodily Injury LiabilityBodily Injury Liability
This helps pay for hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger. This coverage is the amount available to other people in the event of an injury. Since even relatively minor snowmobiling accidents can incur significant medical costs, having enough bodily injury liability is important for your protection. Talk with a Safeco agent to assess your risk.
+Guest Passenger Liability-Guest Passenger LiabilityGuest Passenger Liability
Specifically covers medical expenses for a guest passenger riding with you on your snowmobile. This does not include your spouse, or other household family members, who are already protected under your medical coverage. Though this coverage is optional, it's highly recommended if you like taking friends out for rides.
+Property Damage Liability-Property Damage LiabilityProperty Damage Liability
This helps pay for repairs to someone else's snowmobile, vehicle, or personal property if you're responsible for an accident.
+Uninsured/Underinsured Motorist (UM/UIM) Coverage-Uninsured/Underinsured Motorist (UM/UIM) CoverageUninsured/Underinsured Motorist (UM/UIM) Coverage
What happens if you're hit and injured by another vehicle and that vehicle does not carry enough coverage? Uninsured motorist (UM) and underinsured motorist (UIM) coverage provide the protection you need. While your health insurance may pay medical bills, UM/UIM coverage will pay your medical deductible, lost wages, pain and suffering, scarring, permanent impairment, and other care you need that isn't covered by your health insurance.
Frequently Asked Questions
+What types of snowmobiles does Safeco cover?-What types of snowmobiles does Safeco cover?What types of snowmobiles does Safeco cover?
Safeco insures all types of sleds as well as snow bikes. We also insure a wide variety of other off-road vehicles, including all-terrain vehicles (ATVs) utility task vehicles (UTVs), side-by-sides, dirt bike and more.
+Are there any sleds you don’t insure?-Are there any sleds you don’t insure?Are there any sleds you don’t insure?
Safeco does not insure sleds that have after-market performance kits, including nitrous or turbo kits. However, sleds with OEM turbo kits are eligible. Safeco also does not insure snowmobiles used for racing or for use in any business.
+Do you cover snowmobiles with modifications? What about snow bikes?-Do you cover snowmobiles with modifications? What about snow bikes?Do you cover snowmobiles with modifications? What about snow bikes?
Yes! We know customizing your ride is important to you. Safeco's policy automatically includes $3,000 of custom parts and equipment coverage when you purchase comprehensive and/or collision coverage for your vehicle. If it has more than $3,000 worth of custom parts or equipment, you can add up to $20,000 of coverage per vehicle. We cover snow bike kits, too! The best part is that all custom parts and equipment will be repaired or replaced without an adjustment for depreciation.
+Do you cover original equipment manufacturer (OEM) parts?-Do you cover original equipment manufacturer (OEM) parts?Do you cover original equipment manufacturer (OEM) parts?
Yes. Every Safeco off-road policy with comprehensive and/or collision coverage automatically includes OEM parts coverage.
+I recently purchased my first sled. Am I eligible for insurance with Safeco?-I recently purchased my first sled. Am I eligible for insurance with Safeco?I recently purchased my first sled. Am I eligible for insurance with Safeco?
Of course! We were all new snowmobilers once.
+I'm an experienced snowmobiler. Will Safeco offer me a discount for this?-I'm an experienced snowmobiler. Will Safeco offer me a discount for this?I'm an experienced snowmobiler. Will Safeco offer me a discount for this?
We know experienced snowmobilers are safer snowmobilers, so Safeco offers discounts to reward you. We even offer a discount if you've had the same sled for a while!
+Can I insure multiple sleds on the same policy?-Can I insure multiple sleds on the same policy?Can I insure multiple sleds on the same policy?
Yes! And when you do, we'll give you a discount. You can also insure motorcycles, ATVs, UTVs, dirt bikes, golf carts, and other off-road vehicles on the same policy, which makes billing a snap.
+Riding safely is important to me. How do you cover safety apparel and equipment?-Riding safely is important to me. How do you cover safety apparel and equipment?Riding safely is important to me. How do you cover safety apparel and equipment?
We're glad you take riding safety as seriously as we do. That's why every policy, even liability-only coverage, includes $1,000 of coverage per rider for safety apparel such as your helmet, boots, gloves, goggles and your snow suit.

Find a Local Independent Agent
Are you looking for a quick quote or more information? Talk with a knowledgeable independent Safeco agent about getting the perfect snowmobile policy for your needs.