Boat Insurance Rates and Discounts

Affordable boat insurance rates starting at $100/year*

Just take advantage of all our boat insurance discounts (listed below) and you could save even more. That way, you can get cheap boat insurance that still comes with high-quality coverages.

  • Claims-Free Renewal — Receive a discount if you have no at-fault accidents during your previous policy period.
  • Homeowner — Boat insurance rates are discounted if you own your own home.
  • Idle Assisted Steering — Simply having an idle assisted steering device on your personal watercraft could earn you a discount.
  • Multi Vehicle — Receive a discount if you have more than one vessel on your policy.
  • Multi Policy — Receive a discount if you have more than one Progressive policy.
  • Original Owner — Get lower boat insurance rates if you're the only person who's owned your boat.
  • Paid in Full — Pay the full amount of your policy up front and receive a discount on your boat insurance rate.
  • Responsible Driver — No accidents or violations on your driving record for the last three years translates to a discount on your boat insurance rate.
  • Safety Course — Completion of an approved safety course means you could qualify for a discount.

Learn more about Progressive boat insurance today.