Twenty-three states have laws regarding mandatory snowmobile insurance, and if a police officer sees you operating a snowmobile in any of these states you will be asked to show proof of insurance or be given a ticket. This includes all drivers of snowmobiles, so if your younger riders are going to be driving make sure that they know where you keep the insurance card (or stay near where they will be riding). The following states have mandatory minimum insurance requirements for snowmobiles:
Note: If you live in the United States but frequently operate your snowmobile in Canada you will need a special insurance card. Most insurance carriers provide coverage in Canada—and any state within the United States—regardless of what state you live in as long as you operate in a state where insurance is mandatory, often at no additional cost. So if you live in Alabama, but have a vacation home in Ohio or Ontario with snowmobiles, you are covered.