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Boat Insurance Rates In Florida

Annual policy average: $652

Florida falls into a “high risk” state and has an average cost per year of $652 and an average monthly cost of $54. For some South Florida boaters, this may seem too cheap. Keep in mind this is the entire state of Florida, which covers lower risk territories. If your in South Florida, the average cost may be as much as triple the cost. * Average cost and rates based on insurance data provided by Progressive Insurance.

The Best Boat Insurance Companies In Florida

Markel Insurance Quote

American Modern Insurance Quote

CHUBB Insurance Quote

Progressive Insurance Quote

Florida Boat Insurance Quote for Used and New Boats

New Boat Insurance Quote

Just bought a new boat? View competitive boat insurance rates in Florida now.

Used Boat Insurance Quote

You can view multiple boat insurance quotes in Florida dating back to 2004.

The Florida Boat Insurance Guide

How To Get Florida Boat Insurance

Although boat insurance is not required in Florida, it is strongly recommended to get boat insurance. The potential accident list is long, but anything can happen. Boating accidents or collisions, storms, hitting rocks, hitting a dock, or even sinking are all examples of occurrences that can be covered by boat insurance.

In the case of a boating accident, if one of your passengers or the other boat’s passengers is injured, you can be liable and suffer medical expenses and more.

What does Florida Boat Insurance Cover?

Collision – Boat collisions can result in boat damage, repairs, and even loss of life.
Liability – If your found liable for damages or personal injury, your liability can be very expensive.
Comprehensive/Theft – Covers boat theft, equipment theft, and general vandalism.
Hurricane or named storm – Protects your boat from hurricane and name storms.

What does Florida Boat Insurance Not Cover?

While most Florida insurance policies are comprehensive, not everything is covered. Excluded boat insurance coverage is typically include damage or loss from wear and tear, weathering, mold, damage from animals, boat scratches, blistering damage, or damage that marine life may cause. Most Florida boat insurance policies do not also cover damages or losses due to negligence or misconduct.

What factors affect the price of Florida boat insurance?

Your age and gender – Women typically see lower quotes than men, and middle aged applicants also see low quoted premiums than young adults.
Engine Horsepower – If you have a speed boat, your Florida boat insurance premium will be higher.
Driving Record – {{state-long-name}}} boat owners with bad driving records and DUIs will see high boat insurance quotes.
Experience – Your boating experience in years as well as your experience with larger boats (in feet) will get your lower boat insurance quotes.
Claim history – If you have historically made many insurance claims, your boat insurance quotes can be higher.

The Top 5 Most Common Florida Boat Insurance Claims

Hurricanes
Boat Theft
Sinking
Hitting Rocks/Grounding
Boat Collision

Frequently Asked Questions

How much is boat insurance in Florida?

The average price of boat insurance in Florida is about $650. Florida is known as a high risk or high cost state and is one of the most expensive states to insure a boat.

Do you need insurance for a boat in Florida?

It is not legally required to obtain boat insurance for a boat in Florida. However, if you are seeking a loan for your boat purchase, the bank may require you to obtain boat insurance to proect the bank's investment.

Do I need proof of insurance to register a boat in Florida?

In Florida, you do not have to show proof of insurance to register and title a boat like you do with a car.

What does Florida boat insurance not cover?

Boat insurance generally will not cover maintenance related repairs or general wear and tear.

Does Florida homeowners insurance cover my boat?

Some Florida home insurance policies have minimal coverage for your boat. We have seen some policies have up $5,000 in coverage. However, when your out in the water or need coverage for liability, you need more comprehesive boat insurance coverage.

Does Florida boat insurance cover my trailer?

Most Florida boat insurance policies cover your boat trailer against physical loss or damage.

Is my boat covered out of the water?

If your Florida boat insurance policy includes Comprehensive & Collision coverage, then yes, your boat will be protected out of the water.

Can I get Florida boat insurance with a DUI?

Florida boat insurance carriers are very strict with auto related DUIs. You may certainly have issues obtaining boat insurance with a DUI.

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