Snowmobile rider on a scenic snow trail.

Snowmobile Insurance

Coverage for the best part of Winter

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Snowmobile rider on a scenic snow trail.

Get to know your snowmobile coverage options

Whether it’s groomed trails or fresh powder, Safeco has you covered. Learn more about the unique coverages we offer below, then contact a local agent to discuss the right snowmobile coverage for you.

Coverage
Real-life scenario
Standard
Optional
Get to know your snowmobile coverage options
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.
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Property Damage Liability
This helps pay for repairs to someone else's snowmobile, vehicle, or personal property if you're responsible for an accident.
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Gear Replacement at No Extra Cost
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.
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Collision
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.
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Comprehensive
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.
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Custom Parts and Equipment
Safeco provides $3,000 per snowmobile in custom parts and equipment coverage at no charge. You also have the option to increase coverage up to $20,000 per snowmobile.
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We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your snowmobile.

You could save money with Safeco’s snowmobile discounts1

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Take a safety course

Offers a discount if you successfully completes an approved accident prevention course.
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Store your sled in a garage

Offers a discount when you lock your snowmobile in a secured structure overnight and have comprehensive coverage.
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Theft Recovery

Having a theft recovery device on your snowmobile helps lower your rates.

Experienced riders can save

It’s simple: the longer you ride your snowmobile without a claim, the lower your premiums.

As a bonus, we'll automatically adjust your policy for age and riding experience each year at renewal time to make sure you have the lowest possible premiums. Connect with an agent to learn more about Safeco snowmobile insurance.

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Snowmobile rider on fresh power in the Winter.

Common snowmobile insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss snowmobile insurance today.

1Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.