Washington Boat Insurance

From the Puget Sound to Lake Chelan, Washington offers incredible waters to explore. But before you head out, make sure your boat is covered. GEICO makes boat insurance easy, with reliable protection and competitive rates designed to fit your needs. We’re here to help safeguard your vessel, your gear, and your peace of mind so you can enjoy every minute on the water.

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 Washington?

Boat insurance is not legally required by the state of Washington. However, that doesn’t mean you won’t need it. If you finance your boat, your lender will likely require insurance to protect their investment. Marinas and storage facilities may also ask for proof of coverage before allowing you to dock or store your boat on their premises.

Even without a state mandate, having boat insurance is a smart move. Accidents can happen on the water, and without coverage, you could be held financially responsible for injuries, property damage, or environmental cleanup. GEICO offers customizable Washington boat insurance options to help protect you—and your wallet—every time you set sail.

Washington Boat Insurance Coverages

GEICO boat insurance policies offer flexible protection tailored to how and where you boat. Whether you’re navigating freshwater lakes or venturing out into coastal waters, we’ve got the coverage options to help keep you and your vessel protected.

• Liability Coverage: Helps cover costs if you’re responsible for injuries or property damage. You can also add fuel spill liability coverage for added protection.
• 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 you’re stranded on the water, our optional emergency towing service can help get you back to shore.
• Medical Payments: Helps pay for medical expenses if you or your passengers are injured in a boating accident.
• Salvage Coverage and Wreck Removal: Helps with costs if your boat needs to be salvaged or removed after a covered loss.
• Uninsured Boater Protection: Protects you if you’re hit by a boater who doesn’t have insurance or enough coverage.
• Agreed Hull Value or Actual Cash Value (ACV): Choose how your boat is valued in the event of a total loss—a pre-agreed value or its current market worth.

How Much Does Boat Insurance Cost in Washington?

The cost of Washington boat insurance depends on several factors unique to you and your vessel. Everything from the size and type of your boat to how and where you use it can influence your premium. For example, a high-performance speedboat may cost more to insure than a small fishing boat or pontoon.

Other factors that can affect pricing include the boat’s length, horsepower, number of engines, and even where you store it when it’s not in use. Boaters who use their vessels in saltwater, travel long distances, or store their boats in high-risk areas may see different rates than those who keep their boats inland or in secured marinas. GEICO makes it easy to get a personalized quote based on your specific boating lifestyle.

Boat Insurance Limits and Deductibles

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.

Washington Boat Insurance Discounts

Looking for ways to save on boat insurance in Washington? GEICO offers multiple discounts to help you get the coverage you need without stretching your budget, including:

• Multi-Policy: If you already have a GEICO auto policy, you can bundle it with your boat insurance for lower rates.
• Pass a Boat Safety Course: Complete a state-approved boat safety course, like BoatUS Foundation safety course, and get rewarded for safe boating habits.
• No loss credits: Every policy year you go without a loss could qualify you for additional savings.

Why GEICO is the Best Boat Insurance in Washington

From the San Juan Islands to the Columbia River, Washington boaters trust GEICO to help protect what matters most on the water. With thousands of boaters nationwide relying on us, we’ve built a reputation for delivering reliable coverage backed by exceptional service.

Our 24/7 customer support means help is always just a call or tap away, day or night. Managing your boat insurance policy and making payments is easy in the BoatUS app. And when you need to file a claim, our fast, efficient process helps you get back on the water quickly.

Get a Free Boat Insurance Quote in Washington

Ready to protect your boat with coverage you can count on? Get a fast, free Washington boat insurance quote online or contact a GEICO insurance specialist today to find the right policy for your adventures.

Boat Insurance in Washington FAQs

• Do boats in Washington need to be registered?

  Yes, most boats operated on Washington waters must be registered with the Washington State Department of Licensing. There are some exceptions for certain small, non-motorized vessels, but generally, if your boat has a motor or sails, it likely needs to be registered.

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

  GEICO boat insurance covers a wide range of personal watercraft in Washington, including powerboats, sailboats, pontoon boats, fishing boats, and even personal watercraft like jet skis. If you’re unsure whether your vessel qualifies, contact us for more details.

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

  Completing a recognized boating safety course, like the BoatUS Foundation safety course, may qualify you for a discount on your boat insurance premium. It’s also a great way to sharpen your skills and stay safe on the water.

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

  Washington law requires all boats to carry a U.S. Coast Guard–approved life jacket for each person on board. Children under 13 must wear one at all times while underway, unless they’re below deck or in an enclosed cabin. Wearing a life jacket is always a smart choice, no matter your age.

• 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.