Boat insurance in Wyoming
Wyoming doesn't require boat insurance, but a marina may require liability coverage.
- Does Wyoming law require boat insurance?
- NoLenders and marinas can still ask for it
- A $25,000 pontoon here
- $300 to $800 a yearMiddle-cost state in Progressive's averages
- Registered boats, 2024
- 24,339U.S. Coast Guard count
- Boater education
- None requiredThe USCG/NASBLA state law survey says Wyoming has no required boating safety education.
Sources: wyoleg.gov, wgfd.wyo.gov; U.S. Coast Guard 2024 boating statistics; Progressive state averages.
Want a firm price for a boat kept in Wyoming? Send a quote request or call +1 (833) 721-5475.
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What kind of boat?
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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.
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.
If a marina is asking for proof of insurance, or you just want to know your boat is insured when you take it out, call us and we'll go through your boat with you and help you find a price range.
What does boat insurance cost in Wyoming?
Wyoming is a mid-priced state for boat insurance, and one big insurer's average policy there ran about $413 a year in 2024 and 2025. Your own price depends on what kind of boat you have, what it's worth and where you keep it, so a quick call is the fastest way to get a price range.
In 2024, Wyoming counted 24,339 registered recreational boats. That year the state had 13 boating accidents, with two people killed, four hurt and $234,500 in damage, per the U.S. Coast Guard.
Call us with your boat's details, and we'll help you compare coverage and find a price range before your next trip.
What does Wyoming require?
No Wyoming law says you must carry boat insurance, and the U.S. Coast Guard's survey of state boating laws records a "No" on mandatory liability insurance for the state. That said, certain marinas can still require boat liability coverage, according to Progressive.
Wyoming boat owners do face other rules:
- Registration: Every motorboat used on Wyoming waters has to be numbered, meaning registered through the Wyoming Game and Fish Department. The fee is $30 for a single year, or $80 if you register for three, rising to $40 and $110 once you add the invasive species decal.
- Title: From January 1, 2010 onward, any motorized boat must hold a title issued by your county clerk before registration is possible. Boats that are new or changing hands also need proof that Wyoming sales tax has been paid.
- Invasive species decal: All watercraft have to show one. The price runs $5 to $30 based on the craft type and your place of residence.
- Inspection: Any watercraft brought into Wyoming between March 1 and November 30 needs to clear an invasive species inspection before it goes in the water.
- Young operators: Anyone younger than 16 cannot operate a numbered motorboat, jet skis included, unless an adult of 18 or older is on board and in charge of running it.
- Safety course: Boating safety education is not required in Wyoming.
- Alcohol: Running a motorboat with a blood alcohol level of 0.08 percent or above is against the law. The penalty can be a fine of up to $750, jail time of up to six months, or both, and you can also lose your right to boat for as long as two years.
- Accidents: If your watercraft is involved in an accident on Wyoming waters, notify a Wyoming law enforcement agency immediately.
What your boat might cost to insure
Here are our estimates for boats kept in Wyoming. Treat them as rough figures rather than quotes.
| Type of boat | Estimated yearly cost |
|---|---|
| Jet ski valued at $14,000 | $140 to $500 |
| Pontoon valued at $25,000 | $300 to $800 |
| Fishing or bass boat valued at $40,000 | $400 to $800 |
| Sailboat valued at $45,000 | $500 to $1,500 |
| Wake, ski, or bowrider boat valued at $50,000 | $500 to $800 |
| Yacht or cruiser valued at $150,000 | $1,500 to $3,000 |
For a range that fits your own boat, call us with its type and value, and we'll talk you through it and review your coverage options.
Questions people ask
Will a Wyoming marina ask me for boat insurance?
Some can, even though the state doesn't. Call us before you sign, and we'll help you understand the liability coverage a marina may require.
Is the registration fee based on boat length?
It is not. Game and Fish charges the same fee no matter how long your boat is.
Boat insurers to compare in Wyoming
| Insurer | Policy issued by | Payout after a loss | Towing on the water |
|---|---|---|---|
 Progressive | Progressive | Partial losses paid at full replacement cost with comprehensive and collision | Sign & Glide on-water towing, optional |
 BoatUS | GEICO Marine | Agreed hull value (except PWC) or actual cash value | TowBoatUS add-on starting at $3 a month |
 GEICO | GEICO Marine Insurance Company | Choice of agreed hull value or actual cash value | Add-on through BoatUS, 24/7 |
 State Farm | State Farm Fire and Casualty | Total loss paid at agreed value; repairs at replacement cost | Emergency service covered |
 Allstate | Allstate | Agreed value available | Emergency services covered up to $100 |
 Markel | Markel American | Agreed value; actual cash value available on yachts | Emergency towing offered |
What each insurer publishes about its own policy; each confirms on the quote that it writes your boat in Wyoming. All insurers side by side
Wyoming boating rules an insurer will ask about
| Topic | The rule in Wyoming | Source |
|---|---|---|
| Boater education | The USCG/NASBLA state law survey says Wyoming has no required boating safety education. | uscgboating.org |
| Jet ski age | A person under 16 cannot operate a motorboat that has to be numbered, including PWCs, unless an adult is with them (W.S. 41-13-219). The phrase 'accompanied by an adult' refers to a person 18 or older who is physically aboard and accountable for running the watercraft. | wyoleg.gov, wgfd.wyo.gov |
| Registration | Every motorboat that uses any type of propulsion machinery and runs on Wyoming waters has to be numbered (registered). Registration through Wyoming Game and Fish runs $30 for 1 year. It costs $80 for 3 years, and the AIS decal brings the total to $40/$110, whatever the boat's length. | wyoleg.gov, wgfd.wyo.gov |
| Title | Starting January 1, 2010, every motorized watercraft needs a county-issued title on hand for Wyoming Game and Fish to register it. To register a motorized watercraft that is new or newly transferred, the owner must have a county-issued title made out in their name and show evidence that Wyoming sales tax has been paid. | laramiecountywy.gov, wgfd.wyo.gov |
| Boating under the influence | It is against the law to run a motorboat when your blood alcohol level is at or above 0.08% (W.S. 41-13-206). A BUI offense is a misdemeanor that can mean up to $750 in fines, up to 6 months in jail, or both, plus losing your operating privileges for as long as 2 years. | wyoleg.gov |
| Who runs boating | The Wyoming Game and Fish Department registers boats; county clerks issue titles. | wgfd.wyo.gov |
| Also in this state | Each watercraft on Wyoming waters has to carry an AIS decal, short for aquatic invasive species, which costs $5 to $30 based on the craft's type and the owner's residency. Between March 1 and November 30, any watercraft brought into Wyoming must clear a mandatory AIS inspection before it launches. If an accident occurs on Wyoming waters, the watercraft's operator has to notify a law enforcement agency in Wyoming immediately. | wgfd.wyo.gov |
| Accidents reported, 2024 | 13 boating accidents, 2 deaths and 4 people injured, with $234,500 of reported damage. | uscgboating.org |
How Wyoming compares with every other state: the boat insurance law table.
Quotes for a boat kept in Wyoming
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