Get a boat insurance quote
Three answers on type, value, and state show a yearly price range first; then add boat use, ZIP code, and how to reach you so the agency sends quotes.
Prefer the phone? Call and give the boat, its value and where it is kept.
The line reaches Boat Insurance Compare.
Your request goes to one insurance agency. It picks which insurers to price for your boat and state, and its quote names the company that writes the policy.
Boat insurance prices before you ask
A $25,000 pontoon in each of Progressive's state cost tiers, with 1% to 5% of the boat's value a year as Chubb's rule of thumb.
| 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 |
Prices for every boat, value and state, and what each insurer publishes, side by side
What to gather first
- The boat itself: make and model, year, length, and engine power
- Storage and use: where it stays and how you run it
- Operators: birth date and boating background for each person
- HIN: the 12-character code on the hull, required to open a policy
Your boat carries a unique 12-character code called a Hull Identification Number, or HIN. Progressive explains that an accurate quote often only needs the manufacturer and model, though the HIN is normally required to open the policy itself. It verifies the manufacturer, model, and other facts.
Comparing quotes fairly
Price tells only part of the story. BoatUS recommends weighing which losses are covered, how much you would collect, and what emergency help comes with the policy.
Chubb says it matters whether a claim pays the boat's current worth or a value agreed up front. Actual cash value means the boat's worth at the time of the loss, whereas agreed value is a figure fixed ahead of time. Ask which type each quote is based on.
Questions people ask
What does a watercraft insurance quote ask for?
When the manufacturer is missing from the insurer's list, Progressive's form asks how long the hull is, what it is made of, and how the boat is driven. That last part simply means what powers the boat, like an outboard or inboard engine.
The form from United Marine Underwriters, a marine underwriter, asks for even more. It asks about the kind of boat, when you bought it and what you paid, how the hull is built, its top speed, and the engines and their horsepower. Keeping these details nearby saves you a follow-up call.
The price moves with the coverage you pick, where and how you boat, the craft's size and age, its engine, and your experience. Share your details with us and we will put together a quote for your boat.
Can I get a boat insurance quote online?
Online quotes ask the same things a phone call would. BoatUS says its online or phone quote tends to be a firm, actionable number rather than a rough estimate.
Certain insurers request a safety course completion certificate for every operator too. State Farm names this as a quoting requirement.
Online buying goes smoothest when the HIN, what you paid, and your prior coverage details are all within reach. The form asks who insures you now, what you pay, and when that policy ends.
It also asks about any boat losses in the last five years, and if a policy was ever declined or ended. Answer as accurately as possible, because these feed into the quote. If a question on the form confuses you, call us and we will help you complete it.
A web form comes close, but the figure shifts with your boat, location, use, and experience. A solid number needs that information.
Is there boat insurance near me?
Where you live shapes the price, which is why the quote asks about the boat's storage spot and how it gets used. The form also sets a navigation limit, which is the area you boat in, such as inland waters, the Great Lakes, or the Atlantic, Gulf, or Pacific coasts.
If your boat sits in storage for part of the year, let the insurer know how many months. The form points out that the premium drops while the boat is out of use.
What shapes a marine insurance quote?
BoatUS says the price reflects:
- How much coverage you choose
- Where and how you boat
- The boat's size, age, and engine
- Your ownership and time at the helm
Operators are asked their birth date, how long they have owned boats, their time on the water, and whether they hold a safety certificate. Insurers also ask about driving violations, DUI among them, from the last three years. United Marine notes that ownership history, rather than general experience, drives its underwriting.
How long does an instant boat insurance quote take?
Speed comes from preparation: have the boat's details, its value, its storage spot, and the operators' info ready before you begin. With all that in hand, the questions fly by.
Ready to begin? Call us with the boat's details, its value, and its storage spot.
Does GEICO, Progressive, or State Farm cover boats?
Both Progressive and State Farm have public boat insurance pages, and each one asks for the details covered on this page. We can help you set their quotes next to each other.
Which company is cheapest for boats or jet skis?
Your boat and your history decide that, so no company is always the cheapest. Weigh coverage and payout alongside the cost.
Ready? Call with the boat, its value and where it is kept, or start the request above.