Utah Boat Insurance

Get a complete analysis of Utah 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 Utah 

Boaters, fishermen, and watersports enthusiasts have numerous opportunities to enjoy fun on the water in Utah. But before you take your watercraft out for a ride, it's critical to be aware that the state requires boat insurance by law. Having boat insurance can also help you get the reimbursement you need after a collision and other threats.

A Utah independent insurance agent can help you find the right boat insurance. They'll get you matched to the ideal policy for your unique vessel. First, though, here's a closer look at Utah boat insurance requirements, costs, and more.

Best Boat Insurance Companies in Utah

Many different carriers in Utah offer boat insurance. But when you're looking for the best, it's helpful to know where to start looking. That's why we've included just a few of our top picks for the best boat insurance companies in Utah for you. Start by checking into these outstanding carriers.

A Utah independent insurance agent can compare boat insurance quotes from these carriers and others that offer coverage in your area.

What Boat Insurance in Utah Can Cover

You can build a boat insurance policy according to your preferences. In Utah, the following coverages are offered by most carriers: 

A Utah independent insurance agent can recommend each type of coverage you may benefit most from including in your boat insurance policy.

Is Boat Insurance Required in Utah?

Yes, Utah requires boat insurance by law. Boaters must have at least the following types and amounts of coverage in Utah:

Note that these requirements don't apply to motorboats with engines that have less than 50 HP or airboats. Otherwise, you must have boat insurance before taking your vessel out on public waters in Utah.

What Boat Insurance in Utah Will Not Cover

Knowing what your boat insurance policy won't cover is just as critical as understanding what it will. In Utah, some of the most common boat insurance exclusions are:

Remember that you can purchase endorsements to enhance your boat insurance policy, such as those that can cover damage, etc., caused by faulty or defective machinery.

Average Cost of Boat Insurance in Utah

Boat insurance tends to be highly affordable in Utah. In Utah, boat insurance costs an average of just $263 per year. However, these rates can vary based on:

If you've filed several boat insurance claims in the past, you can typically expect higher rates. Likewise, having a more expensive boat, which would cost more to repair or replace, can also result in higher premiums.

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Our independent agents shop around to find you the best coverage.

What Boat Insurance Discounts Are Available in Utah?

Utah boaters can save tons of money on their boat insurance by way of various discounts. Some of the discounts offered by many carriers in the state include:

A Utah independent insurance agent can help you save as much money as possible on boat insurance by applying any discounts you qualify for to your policy.

Popular Questions about Utah Boat Insurance

Is boat insurance required in Utah?

Yes, boat insurance is required by law in Utah. Boaters must have at least the state's minimum required amounts of coverage for bodily injury/death and property damage liability per accident.

How much does boat insurance cost in Utah?

It costs an average of $263 annually to insure a boat in Utah. These rates can vary, however, depending on the type of boat insured and other factors.

What is the best boat insurance company in Utah?

Progressive is the best boat insurance company in Utah this year according to our research. Progressive offers numerous discounts, competitive rates, and excellent coverage options.

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

Your boat insurance policy can cover physical damage to your property and third-party property if you cause an accident or collision while towing your vessel. Your policy can also pay for the costs of medical treatments to third parties, you, or your passengers if anyone gets injured.

Do you need boat insurance in Utah?

Yes, you must have boat insurance to comply with state laws in Utah. Boaters are required to carry liability in two forms: bodily injury/death and property damage.

What does boat insurance cover in Utah?

In Utah, boat insurance must include at least liability protection. But you can build out your policy with several other types of coverage, including for collisions, emergency towing services, fuel spill and wreckage clean-ups, and much more.

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

Utah 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 Salt Lake City or wherever you reside.

https://www.investopedia.com/how-much-does-boat-insurance-cost-7485669

https://recreation.utah.gov/boating/rules-and-regulations/boating-registration-permits/#:~:text=It's%20the%20Law!,%2465%2C000%20combined%20minimum%20per%20accident.

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