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How much is snowmobile insurance in Ontario?

Premiums start at a few hundred dollars a year and can cost over $1,000 for some sledders. Live in Northern Ontario? You qualify for a 10% discount.

Good to know: Your driving record affects your snowmobile insurance, and your sledding record affects your car insurance. If you have any questions, just give us a call.

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Bundle and save on snowmobile insurance

Combining snowmobile coverage with your auto or home insurance can save you 20% on your snowmobile policy and 5% on the rest. As a brokerage for over 70 of Canada’s top insurers, we have access to some of the best snowmobile, home and auto insurance 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 have a valid driver’s license, we can get you insured today for less than you think.

What does basic snowmobile coverage include?

Here are the basic mandatory snowmobile coverages:

Third-party liability

Covers injuries, property damage and legal fees if you’re at fault for an accident.

Accident benefits

Covers rehab costs along with replacement income if you’re hurt while sledding and can’t work.

Direct compensation

If another sledder is responsible for an accident that damages your sled, this pays for repairs.

Uninsured auto (and sled)

Coverage in case you’re hurt by a sledder without insurance, or if they damage your sled.

More options

It’s a good idea to get more than the minimum coverage for your snowmobile.

Collision coverage

If your sled is stolen, vandalized or damaged while you’re not riding it (fire, falling tree, etc.), this pays to replace or repair it, subject to your deductible.

Comprehensive coverage

If your sled is stolen, vandalized or damaged while you’re not riding it (fire, falling tree, etc.), this pays to replace or repair it, subject to your deductible.

Just like with auto insurance, there are also options to pay a bit more to enhance your coverage. We strongly recommend $2 million in third-party liability and uninsured auto/sled coverage.

Want to hit the trails? We’ll get you insured with one call

Ontario has over 30,000 km of snowmobile trails and there are more than 150,000 sleds registered in the province. Whether you’re an experienced sledder or just getting started, we’ve got amazing options to fit your needs and budget.

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Good to know: Common questions about snowmobile insurance

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

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.

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.

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.

No, you can’t. 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.

The short answer is yes. You can theoretically ride without a helmet on your own property, but it’s not safe. 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.

matthew381324 Aug 2022
Vary impressed with Ryan and Krysten. After calling multiple company’s trying to get snowmobile insurance with no luck, it was a walk in the park for them. Easy to talk to and just great customer service..
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Victor Hotte21 Aug 2021
Just a great experience with Faith Lewis insuring my travel trailer, snowmobile and boat. So much so that I'm looking forward to switching over my house and car insurance when they become due and having her look after all my insurance needs. Thanks Faith!
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Going sledding tomorrow? Get insured today!

Snowmobile insurance rates are generally very affordable when compared to those for cars and trucks, and especially motorcycles. The best way to get a good deal is to bundle insurance for your sled with your home and auto policy, but we can get you great coverage and competitive rates regardless. Our insurance brokers will be happy to go over all your options, and get you covered right away.

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