Arizona boat insurance

Do you need boat insurance in Arizona?

Boat insurance isn't required by Arizona law, but some marinas may mandate boat liability coverage. Additionally, if you lease or finance your watercraft, your lender may require comprehensive and collision coverages for your boat, which may pay to repair or replace your damaged or stolen watercraft.

If you own your boat outright and you aren't required to carry liability coverage, protecting your watercraft investment — as well as your assets if you cause an accident on the water — can still be important for boaters in Arizona.

How much is boat insurance in Arizona?

In 2023, the average annual cost for a Progressive boat insurance policy in Arizona was $410.96.^* However, Progressive offers boat insurance in Arizona for as little as $100/year for a liability only policy.^** Your cost for boat insurance depends on several factors, such as:

• Type of watercraft: From pontoon boats to PWCs, your boat's unique features may influence your rate
• Boating experience: Experienced boaters may pay less for boat insurance than boaters new to operating a watercraft
• Claims history: If you've filed an insurance claim in the past, regardless of fault, you may pay more for a boat policy
• Horsepower: A powerboat with a large engine may cost more to insure than a sailboat with a smaller engine

How to lower the cost of boat insurance in Arizona

If you live in Phoenix, Mesa, Chandler, or anywhere else in the Grand Canyon State, there are multiple ways to score cheap boat insurance in Arizona. Progressive helps you start to save immediately, with a variety of discounts that can be automatically added to your policy, such as:

• Multi-policy
• Pay in full
• Responsible driver
• Safety course
• Original owner

Find out more about boat insurance discounts.

What's the best boat insurance in Arizona?

From Scottsdale to Tucson and throughout Arizona, the best boat insurance policy gives you valuable protection at an affordable price. Progressive provides inexpensive coverage that's customized to you and your vessel. Plus, unlike some boat insurers, we don't require a marine survey in order to get a policy.

Additional boat coverages in Arizona

• Sign & Glide®: If your boat is stuck on the water, Sign & Glide® towing assistance^†† can help with on-water towing, jump starts, fuel delivery,^† and more.
• Propulsion Plus® mechanical breakdown coverage: In the event of a mechanical breakdown, Progressive can pay to repair or replace the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor (coverage doesn't apply to jet drives or inboard motors).
• Wreckage removal: If your boat sinks, we can pay to remove your boat from the water.
• Fuel spill: Progressive covers the cost of legally required cleaning that comes with spilled fuel.
• Watersport coverage: If your guests are injured from water-tubing, water-skiing, and other related sports, we may cover their medical expenses up to a certain limit.
• Fishing equipment or carry-on items: If your fishing equipment or other gear is lost or stolen, you can receive the full replacement cost up to $10,000 for fishing gear, scuba gear, phones, and other items. There’s a $1,000 limit per item.

See all Progressive boat insurance coverages.

Arizona boating information

1. A boater education course isn't required to operate a boat in Arizona, but a safety course is recommended.
2. In Arizona, boat registration fees depend on the length of your watercraft.
3. Per Arizona law, life jackets are mandated for children 12 years or younger.

How to get Arizona boat insurance