Can I Ride A Snowmobile Without Insurance? 
It depends on your State 's requirements for carrying liability insurance for snowmobile operations . Some require it and others do not . Check that out first , if you are really willing to drive one , without covering yourself for liability exposure . Check out the terms and circumstances where coverage is required . Regardless of whether or not your State requires it and under what circumstances ... for example , in NY , you may only need coverage if you are riding on public property ... you would be wise to check with several local insurance agencies , to determine the cost of obtaining snowmobile liability insurance . You might find that it is well worth the cost , to cover yourself for damages caused to others . Otherwise , you could be putting your assets at significant risk . Snowmobile accidents can be very nasty and very costly to you if you injure another person or persons and/or their property . 