Missouri boat insurance

As home to Lake of the Ozarks and Table Rock Lake, Missouri offers boating enthusiasts a wealth of activities, including fishing, waterskiing, and tubing. From the Missouri River to the Mississippi River, Progressive offers Missouri boaters customized and affordable protection. Learn everything you need to know about boat insurance in Missouri, including coverages, discounts, and cost information.

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Do you need boat insurance in Missouri?

Boat insurance isn't required by Missouri law, but some marinas may mandate boat liability coverage. 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.

Coverage	What it covers
Bodily injury and property damage liability	What it coversInjuries you're liable for and damage you cause to another boat or property while boating
Comprehensive	What it coversTheft, vandalism, fire, glass breakage, collisions with animals, and weather-related issues
Collision	What it coversCollisions with another watercraft, docks, or objects

How much is boat insurance in Missouri?

In 2023, the average annual cost for a Progressive boat insurance policy in Missouri was $309.60.^** However, Progressive offers boat insurance in Missouri 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.

Boaters in Missouri can save on boat insurance by bundling insurance policies with Progressive. Get a multi-policy discount when you combine boat insurance with auto, homeowners, renters, RV, or motorcycle.

How to lower the cost of boat insurance in Missouri

If you live in Kansas City, St. Louis, Springfield, or anywhere else in the Show Me State, you can secure cheap boat insurance in Missouri through Progressive. We help you save immediately with a variety of discounts that can be automatically added to your policy, such as:

Multi-policy
Advance quote
Original owner
Responsible driver
Safety course

Find out more about boat insurance discounts.

What's the best boat insurance in Missouri?

From Columbia to Lee's Summit and throughout Missouri, the best boat insurance policy gives you freedom and peace of mind. Progressive doesn't even require a marine survey.

Pro tip:

Auto insurance may pay for injuries or damages you cause while towing your boat trailer, but it won't pay for damage to your trailer. However, a boat insurance policy can pay to repair or replace your damaged boat trailer up to your policy's limits.

Additional boat coverages in Missouri

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.

Missouri boating information

In Missouri, sailboats, or sailboards less than 12 feet in length don't have to be registered. Learn more about the types of boats that are exempt from registration in Missouri.
According to Missouri law, every person born after January 1, 1984, operating a vessel on the lakes of the state, shall carry a valid photo identification document and the Boating Safety Education Card issued by the Missouri State Water Patrol.
The official Missouri state website offers more information on boating activities in Missouri.