Pennsylvania boat insurance

Pennsylvania law doesn't mandate boat insurance for boaters. However, some marinas won't allow you to dock unless you provide proof of insurance. If you choose to finance your boat, you might be required to carry a specific amount of coverage until your loan is paid off. Progressive provides Pennsylvania boat insurance at affordable rates, with plenty of discounts to help you save.

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How does Pennsylvania boat insurance work?

A Pennsylvania boat insurance policy can protect you against unexpected losses like vandalism, fire, and theft. Boat liability coverage can help with medical expenses and other costs if you're found responsible for another person's injuries or property damage, while collision and comprehensive coverage can help repair or replace 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 Pennsylvania boat insurance policy?

Bodily injury and property damage liability coverage may help pay for injuries you cause to other people and damage to their property. Bodily injury liability covers injuries you're at fault for, such as if someone is hurt while on your boat or if you cause an injury while operating your vessel. Property damage liability pays for damages you cause to another person's property, such as a boat or dock. 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 liability coverage and boat insurance.

Wreckage removal helps pay for the costs of removing the wreckage of your boat after it sinks if legally required.

Fuel spill coverage protects against the legally required costs of cleaning up a fuel spill.

Watersport coverage helps pay for injuries that others suffer while participating in water sports like skiing and wakeboarding.

Optional boat coverages

Comprehensive and collision: Comprehensive coverage protects your boat against damage from storms, fire, vandalism, and other unexpected damage. This type of coverage is especially advantageous if you keep your boat in storage while it isn't in use. Collision coverage pays for damages to your boat from colliding with another boat, a buoy, or a 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.

Medical payments: If you're injured while on your boat, medical payments coverage may help cover the cost.

Trailer trip interruption: If you are hauling your boat to your favorite fishing spot and break down at least 100 miles from home, trailer trip interruption coverage will reimburse up to $500 for food, hotel, and other expenses.

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.

See all boat insurance coverages.

How much is boat insurance in Pennsylvania?

If you're seeking boat insurance, Pennsylvania is one of the more affordable states for boat insurance. In addition to the type of coverage you opt for, many factors decide the cost of Pennsylvania 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 leads to higher premiums.
  • Boating experience: More experienced boaters may pay less for boat insurance than newer boaters.
  • Claims history: This may include boating accidents where you were at fault and not at fault.

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 Pennsylvania?

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

  • Pay in full: Receive a discount on your overall rate by paying your policy upfront and in full.
  • Prompt payment: Pay on time, every time, and receive a discount on your rates.
  • Advanced quote: Purchase your Pennsylvania boat insurance policy at least one day before it goes into effect. You can even save more if you purchase it a week or more in advance.
  • Safety course: Complete any Pennsylvania-approved boating safety course to receive a discount.

See if you qualify for more boat insurance discounts.

How to get boat insurance in Pennsylvania

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.