Nevada boat insurance

From the pristine waters of famous Lake Tahoe to the crystal-clear Pyramid Lake, there are many beautiful lakes for boating enthusiasts to enjoy in The Silver State. If you own a powerboat, sailboat, or another type of watercraft, Progressive offers customized and affordable protection for you and your boat. Learn about boat insurance in Nevada, including coverages, discounts, and cost information.

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Do you need boat insurance in Nevada?

Boat insurance isn't mandated by Nevada law, but some marinas may require boat liability coverage. In addition, 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.

CoverageWhat it covers
Bodily injury and property damage liabilityWhat 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

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 Nevada.

How much is boat insurance in Nevada?

In 2023, the average annual cost for a Progressive boat insurance policy in Nevada was $442.77.* However, Progressive offers boat insurance in Nevada 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 Nevada 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 Nevada

Whether you live in Las Vegas, Henderson, Reno, or anywhere else in The Silver State, there are multiple ways to obtain cheap boat insurance in Nevada. Progressive lets you start saving immediately with a variety of discounts that can be automatically added to your policy, such as:

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

Find out more about boat insurance discounts.

What's the best boat insurance in Nevada?

From Las Vegas to Reno and throughout Nevada, the best boat insurance policy offers you the coverages you need at a price you can afford. Progressive provides inexpensive and dependable protection that's personalized to you and your boat. Plus, unlike some boat insurers, we don't require a marine survey to get a policy.

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 Nevada

  • 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.

Nevada boating information

  1. In Nevada, any person operating a personal watercraft (PWC) must be at least 14 years of age.

  2. Life jacket laws in Nevada state that all vessels, except sailboats, must have at least one USCG-approved life jacket for each person on board or being towed.

  3. Per Nevada law, Visual Distress Signals (VDSs) are not required on Nevada waters, but it's highly recommended to carry VDSs on your boat.

How to get Nevada boat insurance

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

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Enjoy life on the water with boat insurance from Progressive

Learn more about our boat insurance offering.