Utah boat insurance

While the perception may be that Utah is one of the nation's driest states, it ranks sixth in the country for boatable water per capita. Per Utah law, boaters enjoying the Beehive State's lakes and reservoirs will typically need boat insurance before hitting the water. Progressive makes it easy to get a reliable and affordable boat policy. Check out Utah boat insurance requirements, coverages, discounts, and cost information.

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Do you need boat insurance in Utah?

If your watercraft exceeds 50 horsepower, Utah state law requires boat liability coverage, which can pay for damage or injuries you cause on the water. If you need more coverage than the state minimum, you can increase your liability limits to better protect your assets. Here are the boat insurance coverages and minimum limits required in Utah:

Coverage	What it covers	Amount
Bodily injury liability	What it coversInjuries you cause to others while boating	Amount$25,000 per person $65,000 per accident
Property damage liability	What it coversDamage you cause to another boat or property while boating	Amount$15,000 per accident

Should you add comprehensive and collision coverage?

If you're financing or leasing your boat, lenders typically require boat comprehensive and collision coverage. But even if your boat is paid in full, comprehensive and collision can be important safeguards against damage to what is often one of your most prized assets.

Comprehensive covers events out of your control, including boat theft, vandalism, fire, hitting an animal, and weather-related issues. Collision covers your boat if you collide with another watercraft, dock, or any object. Both coverages can pay up to the actual cash value of your watercraft, minus your policy's deductible.

How much is boat insurance in Utah?

In 2023, the average annual cost for a Progressive boat insurance policy in Utah was $298.25.^* However, Progressive offers boat insurance in The Beehive State 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

Utah boaters 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 insurance.

How to lower the cost of boat insurance in Utah

Whether you live in West Valley City, West Jordan, Provo, or any other city in Utah, there are multiple ways to obtain cheap boat insurance. 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 Utah?

From Salt Lake City to St. George and throughout Utah, 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 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 Utah

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.