Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Snowmobile Insurance

 Coverage for Trails, Lakes, and Ditches

North Dakota winters were made for sledding, from prairie trails to frozen lakes. With speed, ice, and hidden obstacles, a single incident can be costly. Bowerman Insurance Agency helps riders in Steele and the surrounding communities choose snowmobile riders can rely on, so you can focus on fresh powder and safe routes.

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Liability, Collision, and Comprehensive

Liability covers injuries or property damage you cause. Collision handles damage from crashes or rollovers. Comprehensive addresses non-collision losses like theft, fire, and vandalism; especially important during off-season storage. Add medical payments and accessory coverage for helmets, sled bags, and custom parts.

Be Ready for the Unexpected

Some trails or events may require proof of insurance. If you trailer your sled, we'll confirm coverage for the trailer and transport. For families, we'll discuss passenger liability and the right limits for ditches and lake travel common around Burleigh and Kidder counties.

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Tune Coverage to North Dakota Winters

Many carriers offer credit for seasonal use while keeping comprehensive active year-round. Completing approved safety courses can reduce premiums. Bowerman Insurance Agency will look for multi-policy savings if you also insure your home, autos, or other toys with the same carrier.

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Answers for ND Sledders

  • Is insurance required for snowmobiles?

    Requirements vary by where you ride; even when not required, coverage is strongly recommended.

  • Does my homeowner's policy cover my sled in the garage?

    Most home policies exclude motor vehicles; a snowmobile insurance policy is the best way to cover your sled.

  • Are accessories covered?

    Yes, many policies include or allow added limits for gear and custom parts.