What are Louisiana's boat insurance requirements?

While the state of Louisiana doesn't require boat insurance, most lenders will require a boat policy if you finance your watercraft. Louisiana is a huge state for boating, with both the Mississippi River and the Gulf of Mexico in proximity, and Progressive provides Bayou State boaters with customized and affordable boat insurance.

4 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

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

Property damage liability coverage may pay for damages to another boat, marina, or dock if your boat caused the damage. It may cover legal fees related to the incident as well. Bodily injury liability coverage can help with medical expenses if you are responsible for injuries to other boaters or to someone on your boat (who's not a member of your immediate household). Regarding coverage limits, choose a limit that can best protect you and your assets.

A Progressive umbrella policy can offer extra protection up to $5 million, if you need more than the maximum $500,000 liability limit on a typical boat insurance policy. Learn more about boat liability coverages.

Fuel spill covers the legally required clean-up costs associated with spilled fuel, no matter how it happened.

Watersports coverage helps pay for medical costs associated with accidents involved in on-the-water sports such as water-tubing, water-skiing, etc.

Wreckage removal coverage may pay for removing your boat from the water in the event it sinks.

Optional Progressive boat coverages

Collision and comprehensive coverages are likely to be required by your lender if you're financing your boat. Collision coverage protects your watercraft from accidents involving other boaters and objects such as buoys and docks. Comprehensive coverage covers the cost to replace or repair your boat for events outside of your control, such as fire, theft, and vandalism. This type of coverage may also be helpful if you tend to store your boat during the long winter months when your boat is not in use. Learn more about comprehensive and collision coverage for boats.

Propulsion Plus® mechanical breakdown coverage can help if the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor suffer a mechanical breakdown — even if it's from wear and tear.

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

See all Progressive boat insurance coverages.

Does Progressive insure yachts?

With access to the Gulf of Mexico, Louisiana is an attractive location for yachts plying the waterways. If you're a boater in the state of Louisiana with a yacht more than 26 feet, Progressive may be able to help you get the insurance you need.

How much is boat insurance in Louisiana?

Louisiana tends to be a high-cost state when it comes to boat insurance rates. In addition to the type of coverage you opt for, many factors decide the cost of boat insurance, including:

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

Pro tip:

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

How can I lower my boat insurance rate in Louisiana?

Louisiana boaters may earn the following boat insurance discounts::

  • Original owner: If you're the original owner, you're entitled to a discount on your boat policy.
  • Multi-boat discount: Get a discount just for having more than one watercraft on your Progressive boat policy.
  • Safety course: Complete a Louisiana-approved safety course and earn a discount.
  • Multi-policy: If you have another policy with Progressive, you can get a discount.

See if you qualify for more boat insurance discounts.

How to get boat insurance in Louisiana

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.