Missouri Boat Insurance

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

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

Save on Boat Insurance

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

Find the Best Boat Insurance Rates & Companies in Missouri 

Many residents in Missouri enjoy recreational watersports. Whether you prefer paddling down a scenic stream in your kayak, towing water skiers on a lake with your motorboat, or taking a river cruise in your yacht, you may want to consider securing your investment with a boat insurance policy. Having adequate coverage can help you get reimbursed for lawsuit expenses, boat repairs, and more.

Luckily, a Missouri independent insurance agent can help you find the right boat insurance. Your agent will get you set up with the ideal policy for your unique vessel. But first, here's a breakdown of Missouri boat insurance requirements and more.

Best Boat Insurance Companies in Missouri

It's easy to find boat insurance from many different carriers. But when you want to find the best boat insurance in Missouri, it can be helpful to know where to start looking. Here are just a few of our top recommendations for quality boat insurance in Missouri.

A Missouri independent insurance agent can help you find an affordable boat insurance policy from one of these top-rated carriers or others in your area.

What Boat Insurance in Missouri Can Cover

Boat insurance policies are highly customizable. In Missouri, you can typically build your policy from the following coverage options:

A Missouri independent insurance agent can help you assemble the best boat insurance policy according to your personal needs.

Is Boat Insurance Required in Missouri?

Boat insurance isn't required by law in Missouri. However, if you want to dock your boat at a marina, you'll most likely be required to have coverage first. Further, if you finance your watercraft, your lender will likely require you to have boat insurance.

Many people still choose to get boat insurance even if it's not technically required. Without a policy, just one lawsuit related to a collision or another incident could be financially devastating. Having boat insurance can be well worth the cost for many boaters.

What Boat Insurance in Missouri Will Not Cover

Boat insurance has a specific set of coverage exclusions, as does any other type of policy. In Missouri, don't expect boat insurance to cover any of the following disasters:

Make sure to review your specific boat insurance policy's coverage exclusions before you ever file a claim.

Average Cost of Boat Insurance in Missouri

Boat insurance tends to be fairly affordable in Missouri at an average rate of just $263 annually. However, the cost of your boat insurance policy could vary based on the following:

All of these factors and more can influence boat insurance rates. Your exact location can also influence coverage premiums due to factors like boat theft statistics. 

Save on Boat Insurance

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

What Boat Insurance Discounts Are Available in Missouri?

Missouri offers many boat insurance discounts. Though the options offered vary by insurer, here are some of the most common boat insurance discounts:

A Missouri independent insurance agent will automatically search for any boat insurance discounts that can help reduce your premiums as much as possible.

Popular Questions about Missouri Boat Insurance

Is boat insurance required in Missouri?

You're not required by law to have boat insurance in Missouri. However, many of the state's marinas require coverage.

How much does boat insurance cost in Missouri?

Boat insurance costs an average of $263 per year in Missouri. However, you might find your policy's rate is different depending on many factors, including the make and model of the boat you insure.

What is the best boat insurance company in Missouri?

We found that Progressive is the best boat insurance company in Missouri. Progressive offers competitive rates, excellent coverage options, and numerous discounts for watercraft owners.

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

If you cause an accident while towing your boat, your personal boat insurance policy can pay for physical damage to your property, including your vessel and third-party property you might've hit. Your policy can also cover medical expenses for any injuries.

Do you need boat insurance in Missouri?

Missouri state law doesn't mandate boat insurance. However, many boaters still choose to get coverage or are required to do so if they finance their watercraft.

What does boat insurance cover in Missouri?

In Missouri, you can customize your boat insurance policy according to your needs. You might build a boat insurance policy that includes towing coverage, fuel spill cleanup coverage, and more.

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

Missouri 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 Jefferson City or wherever you reside.

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

Everything went well with my experience with Trusted Choice. I was able to make contact with one of the agents. It was great and I had no problems. I’m very satisfied.

Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071