Like other types of insurance, snowmobile insurance policies consist of collision, liability and comprehensive coverage. The policy limits you set should be based on the total value of the snowmobile as well as how much you could be sued for in the event of a liability dispute. Snowmobile insurance is a requirement in some states and is always a smart idea to avoid paying out of pocket for damages. Learn more about specific snowmobile coverages below.

Snowmobile insurance coverages

Bodily injury liability

If you cause an accident on your snowmobile and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.

Property damage liability

This snowmobile insurance coverage helps pay for damages to another person’s vehicle or property if you cause an accident. Most states require liability coverage.


Collision pays for damage to your snowmobile if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. This coverage also includes up to $2,000 for safety apparel, like helmets and eye protection.


Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals. This coverage also protects custom parts and equipment.

Uninsured motorist

UM coverage helps protect you and your snowmobile from uninsured drivers and hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.

Underinsured motorist

If you’re in an accident with a driver who does not have enough insurance to cover the costs of an accident, this coverage steps in. Coverage is subject to policy provisions and limits.

OEM endorsement

This policy add-on helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we’ll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.

Liability coverage for snowmobiles

Liability helps cover medical costs for bodily injury to others and property damage to others if you’re at fault in an accident. It can also pay the injured party's lost wages and help cover your legal expenses if a lawsuit is brought against you due to an accident. Many state laws require liability coverage.

Snowmobile insurance discounts

You may be eligible for a reduced rate on the above policies. Explore all the Nationwide snowmobile insurance discounts and find ways to save.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.