Texas boat insurance

The Lone Star State is a paradise for boaters, with its abundant, diverse lakes, reservoirs, rivers, and the Gulf of Mexico. If you own a pontoon, center console, or another type of watercraft, Progressive offers personalized and inexpensive protection for you and your boat, on and off the water. Learn about boat insurance in Texas, including coverages, discounts, and cost information.

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Do you need boat insurance in Texas?

Boat insurance isn't required by Texas law, but some marinas may mandate 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.

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

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 Texas.

How much is boat insurance in Texas?

In 2023, the average annual cost for a Progressive boat insurance policy in Texas was $600.80.^* However, Progressive offers boat insurance in Texas 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 Texas 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 Texas

If you live in Dallas, San Antonio, Austin, or anywhere else in the Lone Star State, there are multiple ways to obtain cheap boat insurance. Progressive lets you start saving immediately, with a variety of discounts that can be automatically added to your policy, such as:

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

Find out more about boat insurance discounts.

What's the best boat insurance in Texas?

From El Paso to Houston and throughout Texas, the best boat insurance policy gives you freedom and peace of mind. Progressive lets you navigate ocean waters within 75 miles of the coast with coverages designed to protect you and your boat. Plus, we don't 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 Texas

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.

Texas boating information

If you were born on or after September 1, 1993, you must complete a boater education course in Texas to operate a PWC or a boat with a horsepower rating of more than 15 hp.
Per Texas boating laws, children under 13 are prohibited from operating a PWC unless accompanied on board by a person who is 18 years old and can lawfully operate the PWC.
Boaters must have a Texas Certificate of Number (registration card) and validation decals to operate a vessel legally on public waters in Texas.