What are Michigan’s boat insurance requirements?

Michigan doesn't mandate boat insurance, but you'll want to be insured before you head out on the water. The Great Lakes State has plenty of boating opportunities. Progressive has a long list of coverages available for Michigan boat insurance, with multiple discounts to help you save even more.

3 min to read

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

How does Michigan boat insurance work?

A Michigan boat insurance policy can protect against unexpected dangers like vandalism, theft, and fire, particularly during the colder months when your boat isn't in use. Liability coverage, collision coverage, and comprehensive coverage help meet the repair or replacement cost of your boat while protecting you against medical expenses and other costs if you're found responsible for another person's injuries.

Even though Michigan law doesn't require boat insurance, it may still be necessary if you plan to dock your boat — many marinas require proof of insurance. Lenders also typically require a set amount of coverage if you're financing your boat.

We insure over 1.6 million watercraft nationwide, and we can help protect yours too. Get a boat insurance quote online.

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

Bodily injury liability coverage covers injuries someone suffers caused by you or your boat, such as if they fall off your vessel or if you crash into another boat. Property damage liability helps pay for damages you cause to other boats and structures like docks or buoys. As with any 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 can offer extra protection, typically up to $5 million. Learn more about boat insurance liability coverage.

Wreckage removal helps pay the cost of removing a boat from the water if it sinks, if removal is legally required.

Fuel spill coverage helps cover the legally required cleanup costs of a fuel spill regardless of whether it happened because of a crash or a ruptured tank.

Watersports coverage can help cover the costs of accidents caused while tubing, kneeboarding, or taking part in a related activity.

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

Optional boat coverages

Comprehensive and collision will likely be required by your lender if you're financing your boat. Comprehensive coverage protects your boat from events outside your control, such as storm damage, fire, and vandalism. Collision coverage helps pay for the repair of your vessel when it is involved in accidents with other boats or with a buoy or dock. Learn more about comprehensive and collision coverage for boats.

Medical payments coverage has no deductible and can help cover the cost of your and your passenger's medical expenses if you're hurt while on your boat.

Fishing equipment or carry-on items will cover replacement costs if your fishing gear or other items are lost or stolen — up to $10,000 for fishing equipment and up to $10,000 for personal property like phones or scuba gear.

See all boat insurance coverages.

How much is boat insurance in Michigan?

Michigan's shorter boating season and cold winters mean less time on the water. As a result, Michigan is one of the lower-cost states to insure a boat in. In addition to the type of coverage you opt for, many factors determine the cost of Michigan boat insurance, including:

  • Your age: Generally, the older you are, the more affordable your rate may be.
  • Make, model, and year of the boat: Insuring larger, older, or more expensive boats often lead 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 no-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 in depreciation.

How can I lower my boat insurance rate in Michigan?

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

  • Prompt payment: Pay on time, every time, and receive a discount on your rates.
  • Advanced quote: Shop in advance for your Michigan boat insurance policy to potentially save on your premiums.
  • 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 up front and in full.

See if you qualify for more boat insurance discounts.

How to get boat insurance in Michigan

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.