Indiana boat insurance

Whether you're heading out on Lake Michigan or cruising Lake Manitou, choose boat insurance coverage from Progressive before heading out on the water. Progressive boat policy provides dependable, personalized coverage with multiple potential discounts to help you save.

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What's included in a standard Indiana boat insurance policy from Progressive?

Bodily injury liability coverage and property damage liability coverage can pay your expenses if you're found liable for accidents. Bodily injury liability helps pay for medical costs for another person, either from a collision or if a guest sustained an injury while aboard your vessel. Property damage liability helps cover the costs of damage to other people's boats or property, including structures like docks or buoys. With boat liability coverage, choose a coverage limit that best protects you and your assets. If you need more than a $500,000 liability limit, an umbrella policy through Progressive can offer extra protection for up to $5 million.

Wreckage removal helps cover the cost of retrieving your boat from the water when wreckage removal is required by law.

Fuel spill coverage helps pay costs associated with the legally required clean-up of spilled fuel.

Watersport coverage helps pay the medical costs of guests involved in accidents while taking part in water sports like skiing or tubing.

Optional Progressive boat coverages

Comprehensive and collision: Comprehensive coverage can help pay the repair or replacement cost of your boat if it is lost or damaged by fire, vandalism, storms, and other non-collision-related dangers. This coverage can also protect your boat while in storage during the off-season when you aren't actively checking on it. Collision coverage, protects your boat from accidents involving other boats as well as submerged objects in the water. 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 gets stuck on the water with on-water towing, jump starts, fuel delivery, and more.

Uninsured/underinsured boater: If you're injured in an accident caused by another boater who doesn't have sufficient insurance (or any insurance at all), uninsured/underinsured boater coverage can help pay your medical bills and other things like lost wages while you recover.

See all Progressive boat insurance coverages.

Does Progressive insure yachts?

Indiana might not seem like a major yacht destination, but with miles of coast along Lake Michigan, there are more than just a few large boats on the water. If you have a boat registered in the state of Indiana that's more than 26 feet, Progressive may still be able to help you get the insurance you need.

How much is boat insurance in Indiana?

Despite its long coastline, Indiana has a shorter boating season due to harsh winters. As a result, the cost of boat insurance is generally affordable. In addition to the type of coverage you opt for, many factors decide the cost of boat insurance, including:

  • Make, model, and year of the boat: Insuring larger, older, or more expensive boats often leads to a higher premium.
  • 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.

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 Indiana?

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

  • Responsible driver: If you haven't had a watercraft or motor vehicle accident in the last three years, you may qualify for a significant discount.
  • Pay in full: Receive a discount on your overall rates by paying your policy upfront and in full.
  • Prompt payment: Pay on time, every time, and receive a discount on your rates.
  • Advanced quote: Shop in advance for your policy to potentially save on your premiums.

See if you qualify for more boat insurance discounts.

How to get boat insurance in Indiana

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.