Kansas boat insurance

Do you need boat insurance in Kansas?

Boat insurance isn't required by Kansas 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.

How much is boat insurance in Kansas?

In 2023, the average annual cost for a Progressive boat insurance policy in Kansas was $281.15.^** However, Progressive offers boat insurance in Kansas 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 Kansas

If you live in Wichita, Overland Park, Kansas City, or anywhere else in the Sunflower State, there are multiple ways to score cheap boat insurance in Kansas. Progressive helps you start to save immediately, with a variety of discounts that can be automatically added to your policy, such as:

• Multi-policy
• Advance quote
• Original owner
• Paid in full
• Responsible driver

Find out more about boat insurance discounts.

What's the best boat insurance in Kansas?

From Lawrence to Manhattan and throughout Kansas, the best boat insurance policy gives you freedom and peace of mind. Plus, we don't require a marine survey.

Additional boat coverages in Kansas

• 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.

Kansas boating information

1. According to the Kansas Boating Regulations Summary, a person under 12 years of age cannot operate a motorboat, including PWCs, unless accompanied and under the direct supervision of a parent or other person over 17 years of age.
2. Kansas boat registrations expire every three years from the date of registration, per the Kansas Boating Regulations Summary.
3. Legal skiing/towing hours are 30 minutes before sunrise to 30 minutes after sunset, per the Kansas Department of Wildlife and Parks.

How to get Kansas boat insurance