Arkansas Boat Insurance

Get a complete analysis of Arkansas 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 Arkansas

Thousands of people flock to pristine lakes and rivers in Arkansas every year. Whether your fishing boat is docked on the banks of the Mississippi River or you enjoy taking your speed boat out to Lake Ouachita, Arkansas has plenty to offer boaters of all kinds. However, before boating in Arkansas, finding the right boat insurance policy is a must, especially considering coverage is required by law here, unlike in most states.

Luckily, an Arkansas independent insurance agent can help you find the right boat insurance policy. They'll get you matched to the ideal amount of coverage at the best price available. But first, here's a deep dive into boat insurance requirements in Arkansas and more.

Best Boat Insurance Companies in Arkansas

When you're looking for the best boat insurance in Arkansas, it's helpful to know which carriers provide quality coverage. We've included just a few of our top picks for the best boat insurance carriers in Arkansas for your convenience. If you're ready to get the coverage you deserve, start here.

An independent insurance agent in Arkansas can help you get set up with the right boat insurance for your unique vessel.

What Boat Insurance in Arkansas Can Cover

Each individual's boat insurance policy will likely be unique, depending on the specific types of coverage they choose. Arkansas boat insurance companies can offer you a variety of coverage options to choose from as you build your boat insurance policy, including:

An Arkansas independent insurance agent can help you build a comprehensive boat insurance policy that includes each type of protection you desire.

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

Is Boat Insurance Required in Arkansas?

Like many others, you may have been wondering, "Do you have to have boat insurance in Arkansas?" Actually, the answer is yes. Arkansas is one of just two states in the nation to require boat insurance by law. In Arkansas, you're required to have boat insurance for any motorboats with engines that have 50 HP or more and for any personal watercraft. Your boat insurance policy must provide at least $50,000 of boating liability coverage per incident.

So, the answer to "Do you need insurance on a boat in Arkansas?" is a firm yes. In fact, law enforcement in Arkansas may demand that you provide proof of boat insurance at any time when you're operating your vessel on public waters. Also, keep in mind that boats propelled by a sail or motor, including trolling motors, must also be registered with the state before they can operate on public waters. 

What Boat Insurance in Arkansas Won't Cover

Boat insurance in Arkansas provides compensation for many possible incidents, but there are a few it just won't cover. Be aware that Arkansas boat insurance is likely to exclude the following:

When you understand your specific boat insurance policy's coverage exclusions, you can be better prepared for various incidents that may require additional protection or planning in another form. 

Average Cost of Boat Insurance in Arkansas

It costs an average of $263 annually to insure a boat in Arkansas. However, the cost of your boat insurance policy may vary based on the following factors:

Working with an Arkansas independent insurance agent is the best way to get set up with affordable boat insurance near you.

Save on Boat Insurance

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

What Boat Insurance Discounts Are Available in Arkansas?

There are many boat insurance discounts available in Arkansas that can help you save money on your coverage. These can vary by carrier, but often include:

Your Arkansas independent insurance agent can help apply any boat insurance discounts to your policy that you qualify for. 

Popular Questions about Arkansas Boat Insurance

Is boat insurance required in Arkansas?

Yes, Arkansas requires boat insurance by law. Boat insurance is required for any motorboats with engines that have 50 HP or more, and for any personal watercraft.

How much does boat insurance cost in Arkansas?

In Arkansas, boat insurance costs an average of $263 per year. However, several factors can influence these costs, including the size and type of your boat.

What is the best boat insurance company in Arkansas?

We found that Safeco is the best boat insurance company in Arkansas. Safeco's discount options, coverage selections, and premium rates make it an ideal choice for many boaters.

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

If you have a boat insurance policy, it can pay for medical treatment for injuries to you, your passengers, and third parties. If you caused an accident while towing your boat, your Arkansas boat insurance can also pay for the cost of repairs for physical damage to your own boat as well as a third party's boat or other personal property you hit. 

Do you need boat insurance in Arkansas?

Yes, the state of Arkansas is one of just two in the US that requires boat insurance by law. Your boat insurance policy must provide at least $50,000 of boating liability coverage per incident if you have a motorboat with at least a 50 HP engine or a personal watercraft.

What does boat insurance cover in Arkansas?

In Arkansas, boat insurance must include liability protection. However, you can customize your boat insurance policy to include additional types of coverage as you desire.

Why work with an Arkansas independent insurance agent when shopping for boat insurance?

Arkansas independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. These 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. And down the road, they can help you file boat insurance claims or update your coverage as needed. 

https://www.progressive.com/answers/what-does-boat-insurance-cover/

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

https://afbic.com/2020/03/affordable-boat-insurance-arkansas/#:~:text=A%20boat%20is%20a%20significant,law%20enforcement%20at%20any%20time.

https://johnbwright.com/boat-insurance-in-two-states/

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