What are Hawaii's boat insurance requirements?

The Aloha State mandates boat insurance for vessels greater than 26 feet in length. However, even if the state does not require you to carry a boat policy, your lender may mandate boat insurance if you finance your watercraft. Learn more about boat insurance in Hawaii and how Progressive can help you save.

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What’s included in a standard Progressive Hawaii boat insurance policy?

Bodily injury liability coverage and property damage liability coverage helps pay for damages and injuries. Property damage liability covers damage to docks, marinas, and other boats, while bodily injury liability covers the medical costs associated with injuries sustained by other boaters or by guests and visitors while aboard. As with any boat liability coverage, choose a coverage limit that best protects you and your assets.

If you need more than a $500,000 liability limit, a Progressive umbrella policy can offer extra protection for up to $5 million.

Wreckage removal coverage can help remove your boat from the water if it sinks.

Fuel spill covers the cost of legally required cleaning that comes with spilled fuel.

Watersport coverage pays for medical expenses for injuries gained from water-tubing, water-skiing, and other related sports.

Optional Progressive boat coverages

Comprehensive and collision: Comprehensive coverage helps repair or replace your boat if it's damaged by events outside your control, such as fire, theft, or vandalism. This type of coverage is particularly useful when your boat is in storage, and you are not actively checking on it. Collision coverage pays for repairs to your boat if you collide with another vessel or object like a buoy or dock. If you're financing your boat, your lender will likely require both comprehensive and collision. Learn more about comprehensive and collision coverage for boats.

Sign & Glide®: Sign & Glide® towing assistance will help if your boat is stuck in the water with on-water towing, jump starts, fuel delivery††, and more.

Fishing equipment or carry-on items: If your fishing equipment or other gear is lost or stolen, you can receive the full replacement cost up to $10,000 for fishing gear, scuba gear, phones, and other items.

See all Progressive boat insurance coverages.

Does Progressive insure yachts?

You’ll see plenty of boats on the water, including yachts. If you're a boater in the state of Hawaii with a yacht more than 26 feet, Progressive may still be able to help you get the insurance you need.

How much is boat insurance in Hawaii?

Hawaii is considered a high-cost state in terms of Progressive boat insurance cost. Many factors determine your rate for boat insurance, including:

  • Make, model, and year of the boat: Insuring larger, older, or more expensive boats often leads to higher premiums.
  • Boating experience: More experienced boaters may pay less for boat insurance than newer boaters.
  • Claims history: This may include both at-fault and not-at-fault claims.
  • Horsepower: Boats with stronger engines may cost more to insure.

Learn more about factors that impact boat insurance cost.

Pro tip:

If you carry comprehensive and collision with Progressive, you automatically receive Full Replacement Cost coverage, meaning we'll pay to make sure your boat or personal watercraft is returned to pre-accident condition without factoring depreciation in the event of a partial loss.

How can I lower my boat insurance rate in Hawaii?

Discounts vary by state, but you may be able to lower your rate with the following Progressive discounts:

  • Responsible driver: If you've had no auto or watercraft violations or accidents in three years, you could earn a discount.
  • Association: If you're a member of the US Coast Guard Auxiliary or the US Power Squadron; you can receive a discount.
  • Prompt payment: Simply paying on time can qualify you for a discount.
  • Pay in full: Paying your boat policy upfront and in full may result in a discount.

See if you qualify for more boat insurance discounts.

How to get boat insurance in Hawaii

Go online

Answer a few simple questions, then customize your coverages.

Get a boat insurance quote online

Call a rep

Speak with a licensed representative who can guide you through everything.

Call 1-866-749-7436

Ask an agent

Connect with a licensed, independent agent near you.

Find an agent online

Enjoy life on the water with boat insurance from Progressive

Learn more about our boat insurance offering.