Can I Ride A Snowmobile Without Insurance? 
That is a great question ! If you are living in one of the Northern States where snowmobiles can see some use , it 's a good bet that you 'll be required to have some insurance coverage . There are a few really good reasons why it makes sense to get a policy . The first is that any damages or personal injuries that might occur on your property as a rule wo n't be covered by your homeowners policy . If something bad were to happen , you would be left unprotected for the liabilities of costs and damages . Your snowmobile -LRB- and trailer , if you have one -RRB- wo n't be covered under your auto policy either . So again , you would be liable for any damages if something bad were to happen . So what should you purchase ? I 'd strongly recommend the same kind of coverage that you 'd buy for your car - full coverage with comprehensive , collision , and liability . Here 's why - collision is obvious , if you run into something , or roll your sled , it will be covered by this part of the policy . The comprehensive portion covers the other stuff - hitting a deer , water damage busting thru ice , etc. . The liability part covers you for damage to riders , or property . You can add trailers to your policy coverage with some carriers , and that makes sense , as it 's cheap , and does n't get covered by most auto coverage . Sled policies are generally fairly inexpensive , and often can be discounted with multiple sleds , proof of training classes , and bundling with other policies . Most will not charge for non-use periods also . I 'd say it 's definitely something to have before you ever get on your sled , okay ? -LRB- I love this question , I 'm from up North originally myself , and do n't get to answer too many of these type questions here in Texas ! -RRB- Be safe , have fun , and thanks for asking ! 