Every type of snowmobile driver needs snowmobile insurance, regardless of their experience or skill level.

Ripple Effect Insurance makes sure you have adequate coverage to protect you against collision costs and medical payments in the event of an accident.

Choose the policy that suits your lifestyle and budget.

SnowMobile Protection

Snowmobile insurance is similar to other types of insurance in many ways, such as policies for liability, collision and comprehensive coverage protection. Snow mobile insurance is a requirement in some states and should always be considered, so as not to pay out of pocket for damages.

Liability Coverage

Liability insurance for snowmobiles can help pay for damage to another person’s vehicle or property if you cause an accident. Most states require this type of coverage.


Collision insurance will pay for damages to your snowmobile if you hit another vehicle or object, or another vehicle hits you. This coverage also includes coverage for safety apparel.


Comprehensive insurance, or “other than collision” coverage, can help pay for damages to your snowmobile from theft, vandalism, weather related events or accidents involving animals.

Uninsured Motorist

Uninsured motorist coverage protects you and your snowmobile from other drivers. who are uninsured, or in the case of a hit-and-run accident. Each state has its own uninsured motorist laws.

Medical Expenses

This type of liability coverage can help cover medical expenses for bodily injury and property damage to others if you are at fault in the accident. It can also pay the injured party’s lost wages and help cover your legal expenses, should the need arise.

OEM Endorsement

An OEM endorsement is a policy add-on that ensures your vehicle is repaired with new parts from the original equipment manufacturer (OEM), when available.

Choose an agent to find out how to get the best price and value on snowmobile insurance anywhere.