
How much is snowmobile insurance in Ontario?
Ontario has over 30,000 km of snowmobile trails and over 150,000 sleds registered in the province. Whether you’re an experienced sledder, or just thinking about it, we’ve got amazing options for you. Rates start at a few hundred dollars a year and can go over $1,000 for some sledders. Read our blog for more rate info. Good to know: Your driving record affects your snowmobile insurance, and your sledding record affects your car insurance. If you have any questions, call us. 1-800-731-2228



Bundle and save on snowmobile insurance
Move your auto or home insurance over to us and save 20% on snowmobile insurance and 5% on the rest. As an insurance outlet and supermarket for over 70 of Canada’s top insurance companies, we have access to some of the best snowmobile, home and auto rates in Ontario. You never have to shop around again, we’ll do it for you and take care of all the details. If your sled is registered and you’ve got a valid driver’s license, we can get you insured today for less than you think. 1-800-731-2228
Can I insure a snowmobile without a licence and other good things to know
Who can legally ride a snowmobile in Ontario?
Anyone can ride a snowmobile on their own property.
To ride on common trails (maintained by regional snowmobile clubs), you must have:
- A permit showing the vehicle is registered with the Ministry of Transportation
- A valid insurance slip
- A valid trail permit (purchase at ofsc.ca)
and either:
- A valid Ontario driver’s license (must be 16+); or
- A valid motorized snow vehicle operator’s license (must be 12+)
Note that only sledders with a valid driver’s license may drive their snowmobile across a public road.
Can I cancel my snowmobile insurance in the summer to save money?
Unfortunately, not at this time. If you cancel in the summer, you won’t save any money. If you pay your premium monthly and try to cancel when the riding season is over, you will still owe money for the term of your policy. It’s just like motorcycle insurance, except the seasons are flipped.
What is an MSVOL, and who needs one?
A motorized snow vehicle operator’s license (MSVOL) is a license that allows you to operate a snowmobile if you are at least 12 years old and do not have a driver’s license. To get one, you need to take an online course and pay a $40 one-time fee.
Can I insure my snowmobile without a driver’s license?
Unfortunately no. Although you can ride with an MSVOL – only riders over 16, with a valid driver’s license, can buy snowmobile insurance in Ontario. If you have children over 12 with their MSVOL you can add them to your snowmobile policy.
Do I need a helmet to ride a snowmobile?
The short answer is yes. You can theoretically ride without a helmet on your own property, but it’s not a great idea. On common trails, helmets are the law.
A ticket for riding without a helmet is equivalent to a speeding ticket in Ontario. If you get convicted, it will affect what you pay both for snowmobile and auto insurance.