Allstate boat insurance
Allstate boat insurance is advertised from $25 per month, and the asterisk matters: your rate depends on the boat and your details.
- Market guide, by state group
- $307 to $663Progressive's 2024 to 2025 averages for low-cost and high-cost states, not a Allstate price
- Policy issued by
- AllstateHow to buy: online, by phone or a local agent
- Payout after a loss
- Agreed value available
- On-water towing
- Emergency services covered up to $100
- Financial strength (A.M. Best)
- A+ (Superior)
From Allstate's own boat insurance pages (allstate.com).
Your boat's yearly range across insurers, in three taps
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What kind of boat?
2 of 3
What you paid, or what boats like it sell for. A rough figure is fine.
Type the value in dollars, between $500 and $5,000,000.
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An estimate, not a quote. How we work it out
The line reaches Boat Insurance Compare. Have the boat, its value and your state ready.
Rather have it in writing? Send a quote request with the answers you just gave.
What your policy can cover
Allstate says a standard policy may protect a motorboat or sailboat. It also describes protection for pontoons and personal watercraft, meaning small craft you sit on and steer across the water, which people often call PWCs.
Coverage options you can add
Allstate lists these add-ons. Pick the ones that match how you boat.
- Emergency services: pays back as much as $100 for a tow, mechanical work after a breakdown, plus fuel, oil, or a battery brought to you.
- Personal effects: can help with fishing gear and other items kept aboard.
- Additional boat equipment: protects things like anchors, life jackets, and gear for finding your way.
- Boat trailer: offered for the trailer used to haul your boat.
- Uninsured watercraft: can help with injury costs after a crash involving a boater without insurance.
- Watercraft medical payments: can help with medical or funeral bills for people on your boat.
Agreed value option
With agreed value, Allstate pays based on what the boat was worth at the start of the policy. That matters if the boat is damaged or lost, since the amount is settled before anything happens.
Ways to lower the price
Allstate offers a handful of ways to save:
- Bundling, when you cover more than one thing through Allstate
- Paying the full amount up front
- Owning your home
- Boater education, once you finish an approved safety course
- Easy Pay Plan
Each discount is explained on Allstate's discount page. Your quote shows which ones fit you.
What boats like yours cost to insure, across insurers
| Boat worth about | Pontoon, bass or ski boat | Sailboat | Jet ski |
|---|---|---|---|
| $10,000 to $25,000 | $300 to $800 | $500 to $880 | $180 to $500 |
| $25,000 to $50,000 | $380 to $800 | $500 to $1,500 | Few are worth this much |
| $50,000 to $100,000 | $750 to $1,130 | $750 to $1,500 | Few are worth this much |
A market guide for a middle-cost state, not a Allstate price. Every boat, value and state
The same boat in low, middle and high-cost states
| Progressive cost tier | Tier average a year | A $25,000 pontoon a year | States such as |
|---|---|---|---|
| Low-cost, 17 states | $307 | $250 to $590 | Michigan, Minnesota, Wisconsin |
| Middle-cost, 17 states | $413 | $300 to $800 | Georgia, Ohio, Tennessee |
| High-cost, 16 states | $663 | $480 to $1,250 | Florida, Texas, California |
Tier averages from Progressive. Your state's tier and rules
Buying a policy
Allstate offers a quick quote online or by phone, and you can also go through a local agent. Keep your boat information close, including its value, so the price reflects your boat.
Financial strength and claims support
On August 28, 2025, AM Best confirmed the A+ (Superior) financial strength rating of the Allstate Insurance Group's members, according to its announcement. That grade speaks to how well the company can pay claims. Allstate also points to 24/7 claims support for people who insure boats.
Common questions
Does Allstate insure boats?
Yes. Allstate offers boat policies for motorboats, sailboats, pontoons, and personal watercraft. You can read more on Allstate's boat page.
What does Allstate boat insurance cost?
Allstate says coverage can begin at $25 per month. Your quote sets the real price, and discounts may bring it down.
Can I insure a boat trailer and gear?
Yes. You can get coverage for a trailer and for added boat equipment. Personal effects coverage may also help with fishing gear and other personal items.
Can I make a claim at any hour?
Allstate points to 24/7 claims help for people with boat policies. Since we can't give you a claims phone number or sign-in information, please look those up on Allstate's own website.
Compare Allstate with
| Insurer | Policy issued by | How to buy | Payout after a loss | Towing on the water | Boats it names |
|---|---|---|---|---|---|
| Allstate | Allstate | Online, by phone or a local agent | Agreed value available | Emergency services covered up to $100 | Motorboats, sailboats, pontoons and personal watercraft |
 State Farm | State Farm Fire and Casualty | State Farm agents | Total loss paid at agreed value; repairs at replacement cost | Emergency service covered | Runabouts, cruisers, sailboats, pontoons, jet skis, houseboats |
 Progressive | Progressive | Online or by phone | Partial losses paid at full replacement cost with comprehensive and collision | Sign & Glide on-water towing, optional | Up to 50 ft and $500,000; excludes houseboats, steel or wood hulls |
 GEICO | GEICO Marine Insurance Company | Through BoatUS | Choice of agreed hull value or actual cash value | Add-on through BoatUS, 24/7 | Boats up to 50 ft and $2,500,000 |
Ready for real numbers?
Tell us the boat, what it is worth and where you keep it.
This line reaches Boat Insurance Compare, not Allstate.