Estimate boat and watercraft insurance premiums based on vessel value, type, and navigational area.
Annual Premium
$141
Estimated yearly cost
Monthly Premium
$12
Annual ÷ 12
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How boat premiums are calculated
Boat insurance rates depend on the value of the vessel, its type, and engine power. Sailboats are the cheapest because they are slower and lower risk, while personal watercraft like jet skis carry a surcharge. Larger engines push the per-$1,000 rate higher, reflecting the greater severity of high-speed accidents.
Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.