Washington Boat Insurance

Get a complete analysis of Washington boat insurance costs, coverages & companies.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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Find the Best Boat Insurance Rates & Companies in Washington 

From ocean access to lakes and rivers, Washington State has plenty of opportunities for water sports enjoyment. However, watercraft owners need to be aware of the risk of collisions, vandalism, and other threats that could be extremely expensive to handle without the right coverage. That's why having adequate Washington boat insurance is critical.

Luckily, a Washington independent insurance agent can help you get set up with all the necessary boat insurance. They'll make sure you get matched to the ideal policy for your boat and its uses. But first, here's a breakdown of Washington state's boat insurance requirements and more.

Best Boat Insurance Companies in Washington

You could get a boat insurance policy from many different carriers in Washington. But if you're looking for the best coverage available, start by checking into these top-rated boat insurance companies in Washington.

A Washington independent insurance agent can shop and compare boat insurance quotes from the best boat insurance companies in your specific area. 

What Boat Insurance in Washington Can Cover

A boat insurance policy is built with several types of coverage. In Washington, you can typically choose from the following boat insurance options:

A Washington independent insurance agent can help you assemble a boat insurance policy that includes each type of protection you need.

Is Boat Insurance Required in Washington?

Washington doesn't require boat insurance by law. However, having a policy can help you get reimbursement after collisions, breakdowns on the water, vandalism, theft, and many other disasters. Because of this, you might still want to get a boat insurance policy if you own any of the following:

Boat insurance is also often required by marinas and watercraft financing lenders. So, regardless of whether state law mandates boat insurance, you might find that you're still required to have coverage.

What Boat Insurance in Washington Will Not Cover

While boat insurance covers a lot of disasters, it's not designed to cover just anything. In Washington, boat insurance typically excludes these threats:

Before you file a claim, make sure you understand your specific boat insurance policy's coverage exclusions. 

Average Cost of Boat Insurance in Washington

In Washington, boat insurance costs an average of $344 per year. Keep in mind, though, that the cost of boat insurance can be influenced by many different factors, including:

You can expect a boat insurance policy to be more expensive if you've filed several boat insurance claims in the past. 

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What Boat Insurance Discounts Are Available in Washington?

Washington offers a variety of boat insurance discounts for watercraft lovers. Many carriers offer the following ways to save money on your boat insurance:

A Washington State independent insurance agent can help find and apply any boat insurance discounts you qualify for to your policy. Your agent will help you reduce your policy's costs as much as possible.

Popular Questions about Washington Boat Insurance

Is boat insurance required in Washington?

No, boat insurance isn't required by law in Washington state. However, many marinas require boaters to have coverage before they're allowed to dock.

How much does boat insurance cost in Washington?

Washington boat insurance costs an average of $344 annually. However, the kind of boat you insure can influence these costs, along with many other criteria. 

What is the best boat insurance company in Washington?

We found that Foremost is the best boat insurance company in Washington. Foremost's coverage options, low rates, and numerous available discounts easily earned the carrier our top recommendation.

If I get in an accident while towing my boat, who pays for the damage?

Your boat insurance can cover physical damage if you cause an accident while towing. Your boat insurance policy can reimburse for the costs of damage to third-party property and your own, depending on the types of coverage in your policy. 

Do you need boat insurance in Washington?

You're not required to have boat insurance by law in Washington. However, you might need to have boat insurance if you finance your vessel.

What does boat insurance cover in Washington?

In Washington, boat insurance can be designed to cover liability, collision damage, theft, vandalism, and many other threats. It all depends on the specific types of coverage you select to go into your policy.

Why work with a Washington independent insurance agent when shopping for boat insurance?

Washington independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. Independent insurance agents work hard to find quality coverage at the most affordable rate. They'll shop and compare boat insurance quotes from a number of different carriers for you. And down the road, they can help you file boat insurance claims or update your coverage as needed. Your agent can help you find boat insurance in Seattle or wherever you reside.

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