Protect Your Investment with Progressive Boat Insurance

Progressive simplifies boat insurance giving you the freedom to take your boat on any lake or river in the United States plus ocean waters within 75 miles of the coast. By dropping the common requirements and restrictions other insurers may force on you, we make it easier to get the protection you need to get on the water right away.


Progressive Boat Insurance

Coverage Options For All Vessels

Powerboat insurance


fishing boats

Pontoon insurance

pontoon boats

PWC insurance


Sailboat insurance


Learn About Coverages

Frequently Asked Questions

How much is boat insurance?

Your price for boat insurance is based on numerous factors, including:

  • Location: Watercraft insurance is generally more expensive if you boat in a coastal state. You may pay less for boat insurance in states where boating is not a year-round activity.
  • Boat type: The year, make, and model of your watercraft will affect your policy’s cost.
  • Boating history: Experienced boaters are less likely to have an accident on the water and will often pay less for boat insurance compared to inexperienced boaters.
  • Prior claims: If you have a history of boat insurance claims, you could pay more to insure your boat and for liability protection.

Boat insurance policies are generally affordable. More than 75% of Progressive’s boat insurance customers pay their policies in full.

Is boat insurance required?

Boat insurance is mandated in only a few states but, if you’re financing your watercraft, you’re typically required by your lender to carry comprehensive and collision coverage. Additionally, if you dock your boat, your marina may require you to show proof of liability coverage.

Does boat insurance cover theft?

Comprehensive coverage protects against damage to your watercraft from incidents out of your control, including theft. Comprehensive doesn’t come standard on your boat policy; it must be added and is usually required by your lender if you finance your boat.

Does boat insurance cover pets?

Progressive pays up to $1,000 for veterinary bills or death benefits if your dog or cat is injured or killed in a covered boating accident.