Virginia Boat Insurance

Get a complete analysis of Virginia 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 Virginia 

Virginia has many opportunities for boaters to enjoy themselves. Whether you cruise the waters of Lake Airfield or drift down the Appomattox River, chances are you love your watercraft. That's why you must protect your investment with a solid Virginia boat insurance policy.

Fortunately, a Virginia independent insurance agent can help you find all the boat insurance you need to protect your vessel. They'll consider your unique watercraft and its uses when selecting the right policy. But first, here's a behind-the-scenes look at Virginia boat insurance requirements and more.

Best Boat Insurance Companies in Virginia

Boat insurance is sold by many different carriers in Virginia. But when you're ready to find the best coverage, it can be helpful to know where to start. Look into these top-rated boat insurance companies in Virginia first.

A Virginia independent insurance agent can provide you with boat insurance quotes from these insurance companies and others that offer top-quality boat insurance in your area.

What Boat Insurance in Virginia Can Cover

Boat insurance can be designed to meet your personal needs and cover your specific watercraft. You'll likely choose from the following coverage options when assembling your policy:

A Virginia independent insurance agent can help you create a boat insurance policy that makes the most sense.

Is Boat Insurance Required in Virginia?

Although Virginia doesn't require boat insurance by law, it requires boaters to register their vessels. Virginia also requires boaters to complete a boating safety course if:

Though boat insurance isn't mandatory by state law, having coverage can help you get critical reimbursement after a disaster like a collision. For this reason, you might still want to seriously consider getting boat insurance if you have any of the following:

There may also be scenarios in which you're required to carry boat insurance, such as if you finance your vessel or you want to dock your boat at a marina.

What Boat Insurance in Virginia Will Not Cover

Boat insurance in Virginia comes with certain exclusions to be aware of. Don't expect your boat insurance policy to cover these issues:

Being aware of what your boat insurance excludes can help you better understand what it does cover and when you can expect claims to be denied.

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Average Cost of Boat Insurance in Virginia

Virginia's boat insurance rates fall in the middle of the pack compared to the rest of the U.S. Boat insurance costs an average of $344 per year in Virginia. However, boat insurance rates can be impacted by any or all of the following:

Various factors can greatly increase the cost of your boat insurance, including if you've filed many boat insurance claims in the past or have a particularly valuable watercraft that would be expensive to repair or replace after a collision.

What Boat Insurance Discounts Are Available in Virginia?

Boat insurance discounts are offered by most carriers in Virginia. You might be able to save money on your coverage if you qualify for any of the following:

The discounts offered vary by insurance company in Virginia. Your Virginia independent insurance agent can inform you of any available boat insurance discounts you qualify for that can save you money.

Popular Questions about Virginia Boat Insurance

Is boat insurance required in Virginia?

Boat insurance isn't required by state law in Virginia. However, many marinas require boaters to have coverage before they're allowed to dock.

How much does boat insurance cost in Virginia?

Boat insurance costs an average of $344 annually in Virginia. However, boat insurance rates can be influenced by the type of watercraft you own, where exactly you're located, and various other factors.

What is the best boat insurance company in Virginia?

Our finding is that Travelers is the best boat insurance company in Virginia this year. Travelers offers outstanding coverage options, numerous discounts, competitive rates, and quality customer service.

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

If you cause an accident during a boat tow, your boat insurance policy can cover physical damage in terms of repairs or replacements to your boat, equipment, and other property, as well as that belonging to third parties. Your policy can also reimburse for the cost of medical treatments for any affected parties who got injured.

Do you need boat insurance in Virginia?

Boat insurance isn't mandatory by law in Virginia. However, many boaters are required to have boat insurance by their lenders if they finance their watercraft.

What does boat insurance cover in Virginia?

Boat insurance policies can be designed to cover liability, collision damage, fuel spill and wreckage cleanup, emergency towing services, and much more in Virginia. What your boat insurance policy covers specifically depends on the types of coverage you choose.

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

Virginia 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 Richmond or wherever you reside.

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