A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Which snow vehicles you use and what they are used for will determine whether car insurance is a requirement or not. Even if it ends up not being a requirement, it is a good idea to have some type of insurance on your vehicles in order to protect you. Some individuals think that snow vehicles are covered under their current car or homeowner’s policy, but this is usually not the case.

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If you drive a particular vehicle, such as a four-wheel drive truck, only in the winter to help maneuver in the snow, you will be required to insure it as you would a normal car or truck.

If you have other vehicles for the snow, such as recreational vehicles, there may not be particular requirements outlined by your state.

Insurance Requirements for Vehicles

Almost every state requires all drivers to carry some type of car insurance. This is meant to protect not only the driver at-fault but also the passengers and the other party involved. The actual requirements vary slightly from state to state, but liability insurance is a requirement across the board. These requirements are meant for vehicles that are driven regularly on public roads.

When it comes to specialty and recreational vehicles, the requirements do not necessarily apply. In fact, not every state even offers insurance coverage for snow vehicles such as snowmobiles. To find out what the requirements are in your particular state, check out this website for the National Association of Insurance Commissioners.

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Types of Snow Vehicles

Although you may be able to think of a couple kinds of snow vehicles, there are varieties of vehicles that are not common knowledge but are useful in snowy environments.

Anyone who lives in snowy climates is familiar with the snowplow. Snowplows are invaluable to remove snow from roads, highways, neighborhood streets, and parking lots. Without them, many cities would be at a standstill.

In regards to snowplows, there is a variety of types. There are the big commercial ones that take care of large areas such as interstates and other highways. There are smaller ones that take care of city streets, and then there are basic trucks that can add snow removal equipment when needed for smaller areas.

Snowmobiles are popular in the winter as a fun way to maneuver through the snow and experience a thrill ride. As with snowplows, not all snowmobiles are created equal. Along with the traditional snowmobile, there are varieties of options to mix it up. These include the SnoScoot and the Snow Hawk, which is a snowmobile/bike combination.

Lite Trax vehicles are used in snow and in other poor ground conditions. Unlike a truck, which can slide and slip in bad weather conditions, Lite Trax is a vehicle that can prevent slipping while getting the job done. The vehicle is lightweight and its pressure stays low to the ground. It has a large track area and is able to tread lightly across the snow.

Lite Trax is available in different series, from a basic model to a more heavy-duty vehicle, and they can be used for a variety of things. If you do a number of recreational activities in the winter, such as hiking, skiing, fishing, or hunting, and want to be able to maneuver in the snow, Lite Trax can help. It is good to have for cabin owners, for search and rescue in snowy areas, and for plowing and trail grooming.

Whether it is required or not, it is always a good idea to explore the idea of insurance for your snow vehicles, as if anything were to happen to them, you would be responsible for any damages if you did not have any insurance.

Snowplow Insurance

If you drive some kind of plow to clear snow, you will be required to carry some type of insurance, depending on what it is used for. If you make any sort of income from plowing snow, you will usually be required to purchase commercial auto insurance. This differs from the insurance you currently have for your personal vehicles.

If you own a snowplow business, there are a number of coverage types that you should consider. There are the normal types of coverage such as property damage, bodily injury, comprehensive, and collision. Another type you should consider is hired, or non-owned, coverage. This will cover you if you hire others to drive your plows and there is an incident while they are working.

Many insurance companies will offer a specific snowplow insurance policy. This is a policy that is valid only during the winter months so you don’t have to pay a premium all year long. Often you can only purchase snowplow insurance if you have a commercial auto policy, but check with your specific company as to what its policy is.

If you have a snowplow and only use it to remove snow on personal property, such as a parking lot or driveway, you can usually get by with adding it to your personal policy. You may already be covered if you are just adding equipment to a currently insured vehicle, or you may need to add it to your policy. Ask your agent what needs to be done so that you are covered in case of any sort of incident.

If you have a plow or vehicle that you only use during the winter, you can save money on your insurance by storing it during the off-season and only carrying minimal coverage on the vehicle.

Snowmobile Insurance

If you are wondering about insurance for a snow vehicle that you use recreationally, such as a snowmobile, it is always a good idea to get snowmobile insurance even if it is not a requirement. Some think that a snowmobile is covered under their car insurance, or even homeowners insurance. This is usually not the case, however. Often the coverage is minimal, and sometimes it is non-existent.

There are a number of insurance companies that offer insurance coverage for snowmobiles. Although it may just be a vehicle you ride for fun, there are multiple benefits to having it insured. Coverage includes general coverage such as liability, collision, comprehensive, and medical payments, but it also has options that are specific for snowmobiles.

Some companies offer safety apparel coverage. This coverage provides replacement for clothing, including goggles and helmets, damage that may occur from an accident.

You can also get coverage for optional equipment such as sleds or towable trailers. If you have a trailer that you use to carry your snowmobiles, there is trailer coverage available.

As with regular car insurance, you can decide what your liability limits will be. You can also choose seasonal coverage to cover you during winter months or an annual policy to cover you for any unexpected snowfall.

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Cost of Snow Vehicle Insurance

The cost for insuring your snow vehicles will vary depending on what you are insuring. A commercial snowplow will more than likely cost as much as a regular auto insurance policy would, and even more if you add the snowplow insurance policy. In this case, however, insurance is required and it is better to have adequate coverage than be left to pay for the majority of damages.

If you use a personal vehicle for removing snow off your property, you may not have to pay anything additional, as long as the vehicle is currently covered.

Insuring a snowmobile or other recreational snow vehicle is usually not very expensive. In many instances, you probably won’t have to pay more than fifteen or twenty dollars more per month for the policy. You can save even more money if you insure multiple snowmobiles, have other policies with the same company, or take a safety course for snowmobiles.

Choosing an Insurance Company for your Snow Vehicles

Along with obtaining the right coverage, it is also important to go with the right company. Depending on what your needs are; the right company will vary from person to person. A good way to see how an insurance company stacks up is to take advice from other insurance consumers.

Through J.D. Power and Associates you can compare how different insurance providers rate according to certain categories. If being able to contact the company is important, you can see which companies rate high in regards to that. Same is true with pricing, the amount, and variety of policies offered, overall satisfaction, and payment and billing.

It is also a good idea to choose a company that rates high financially. A company such as Standard and Poor’s will give you a good idea as to if the company is stable enough to cover current and future claims as well as other important credit information.

If your snow vehicle is not one that requires insurance coverage, decide whether or not it would be worth paying a bit extra every month in order to protect your investment.

It is easy and quick to get quotes on car insurance rates just by entering your ZIP code into the FREE quote tool space found here!