During inclement weather (like this snow storm) you can ride ATV's and Snow Mobiles on the street as long as they're registered. I'm not sure if you need the liability insurance, but for $75 a year, I figured it was worth it in case I hurt someone with my quad. NJ State Park Rangers like to jump out in front of you if you ride on state land. Otherwise, you can't ride on the street the rest of the year. In NJ, we're lucky if we get 5 snow storms a season.
Tony P.