Utah Boat Insurance

Utah’s scenic reservoirs, alpine lakes, and desert waterways make it a boater’s dream. You’ll want to make sure your boat is properly protected, and GEICO makes it simple to find reliable boat insurance in Utah with coverage options that fit your lifestyle and budget. If you're looking for affordable boat insurance that doesn't compromise on coverage, GEICO and BoatUS offer options tailored to fit your needs.

Is Boat Insurance Required in Utah?

Utah does not mandate boat insurance for most watercraft, meaning you can legally operate many boats without a policy. However, that doesn’t mean coverage isn’t important. Marinas across the state often require proof of liability insurance before allowing you to dock your vessel. Likewise, if your boat is financed, your lender may require insurance to protect their investment.

Although there are no state-issued penalties for boating without insurance in Utah, going without coverage can be a major financial risk. An accident could lead to out-of-pocket costs for property damage, legal expenses, and medical bills. A Utah boat insurance policy can give you the peace of mind you need to enjoy your time on the water. For more details about coverage options and requirements, check out our boat insurance information.

Utah Boat Insurance Coverage

No matter where your adventures take you, from the red-rock canyons of Lake Powell to the high-altitude waters of Jordanelle Reservoir, GEICO offers comprehensive coverage to help keep you protected.

• Liability Coverage: Helps pay for injuries or property damage if you’re found responsible for an accident. GEICO also includes fuel spill liability coverage, which can assist with cleanup costs after a covered fuel leak or spill.
• Hull and Equipment Coverage: Helps pay to repair or replace your boat, engine, and equipment due to damage from a covered event.
• 24/7 Boat Towing: If your boat breaks down on the water, GEICO’s optional emergency towing service through TowBoatUS is available around the clock to help you get safely back to shore.
• Medical Payments: Provides coverage for medical expenses for you and your passengers after a covered accident, regardless of who is at fault.
• Uninsured Boater Protection: Offers protection if you’re injured in a boating accident caused by another boater who lacks sufficient insurance.

Learn about Premium Towing and how it can help in emergencies out on Utah’s lakes and reservoirs.

Boat Insurance Limits and Deductibles

Understanding how your policy works is just as important as choosing the right coverage, and that includes deductibles and insurance limits. A deductible is the amount you pay out of pocket before your boat insurance covers a claim. Opting for a higher deductible often lowers premiums but increases potential costs for the insured in the event of an accident.

Coverage limits are the maximum an insurer will pay for a claim, so it’s essential to select limits that reflect your boat’s value, usage, and potential liabilities. Claims exceeding these limits could leave you responsible for any remaining costs. Now let’s see what factors influence boat insurance costs in Utah.

How Much Does Boat Insurance Cost in Utah?

Boat insurance premiums in Utah can vary depending on a number of factors. GEICO evaluates a variety of details to provide a personalized quote:

• Type, length, and horsepower of your boat
• Number of engines and how the boat is powered
• How you use your boat (recreation, fishing, towing skiers, etc.)
• Where your boat is stored (garage, marina, dry dock, etc.)
• Safety features and anti-theft devices
• Your boating history and claims record

Utah Boat Insurance Discounts

GEICO offers multiple ways to lower your boat insurance premium in Utah without sacrificing coverage. Eligible policyholders may qualify for:

• Multi-Policy Discount: Already have a GEICO auto policy? You may be eligible for savings by bundling it with your boat insurance.
• Boating Safety Course Discount: Completing a certified boating safety class, like the BoatUS Foundation safety course, can not only make you a safer boater, but also earn you a discount on your premium.
• No Loss Credits: If you have a clean boating history with no recent claims, GEICO may reward you with additional savings.

Why GEICO is the Best Boat Insurance in Utah

GEICO is trusted by thousands of boaters nationwide, and Utah is no exception. With affordable coverage, flexible payment plans, and a fast, reliable claims process, we make it easy to protect your boat whether you're cruising Bear Lake, exploring Lake Powell, or heading out for a weekend on the Great Salt Lake. Backed by decades of experience and GEICO’s strong financial stability, you can count on coverage that’s as dependable as it is affordable.

Managing your boat insurance policy and making payments is easy in the BoatUS app. Here, you can file claims, pay bills, or make updates anytime, anywhere. Add in competitive rates, valuable discounts, and specialist support from knowledgeable insurance agents, and it’s easy to see why GEICO is a top choice for Utah boaters.

Get a Free Boat Insurance Quote in Utah

Whether you’re a weekend paddler or a seasoned powerboat owner, it’s smart to understand both required and optional boat insurance coverages available in Utah. From liability to towing, GEICO helps you tailor your policy to match your needs and your budget.

Get a Utah boat insurance quote from GEICO today or contact a GEICO insurance specialist for personalized guidance.

Boat Insurance in Utah FAQs

• Do boats in Utah need to be registered?

  Yes, most boats must be registered with the Utah Division of Parks and Recreation. This includes motorboats and sailboats over 12 feet long. Registration must be renewed annually.

• What types of watercraft are covered by boat insurance in Utah?

  GEICO offers coverage for a wide range of watercraft, such as pontoons, sailboats, fishing boats, watercraft, and more. Coverage can vary by vessel type, so it’s best to get a tailored quote.

• Does taking a boating safety course lower my insurance in Utah?

  Yes, completing a certified boating safety course can help you qualify for a discount. It’s a smart way to stay safe while potentially lowering your insurance costs.

• Are all boaters in Utah required to wear a personal flotation device?

  Utah law mandates that every person on board must have access to a U.S. Coast Guard-approved personal flotation device (PFD). Children under 13 must wear a PFD at all times while the boat is moving.

• Does homeowners insurance cover boats?

  Most homeowners insurance does not cover boats, and if it does, it often has restrictions regarding vehicle size and horsepower. To protect your boat from theft, accidents, and damage from fire or lightning, you need boat insurance. Boat insurance may also provide liability coverage if you accidentally injure someone or damage their property with your boat.