Wisconsin Boat Insurance

From Lake Winnebago to the Mississippi River, Wisconsin is home to some of the best boating spots in the Midwest. Whether you’re cruising, fishing, or enjoying a relaxing weekend on the water, it’s important to protect your boat and everything that comes with it. GEICO offers reliable Wisconsin boat insurance, competitive rates, and the support you need to boat with confidence across Wisconsin’s beautiful lakes and rivers.

Is Boat Insurance Required in Wisconsin?

Boat insurance isn’t required by state law for recreational purposes in Wisconsin, but that doesn’t mean you won’t need it. Marinas may require liability coverage before allowing you to dock, and lenders often require insurance if you're financing your boat. Without coverage, you could be on the hook for out-of-pocket costs if an accident happens.

While there are no legal penalties for going uninsured, the financial risks are real. From property damage to injury claims, one incident on the water could lead to serious expenses. Boat insurance helps protect you from those unexpected costs so you can spend more time on the water and less time worrying about what-ifs.

Wisconsin Boat Insurance Coverages

No matter how you like to boat, GEICO boat insurance offers coverage options built to protect you, your passengers, and your watercraft. Here’s a look at what a typical policy may include for Wisconsin boaters:

• Liability Coverage: Helps cover costs if you’re responsible for injuries or property damage while boating. We also offer optional fuel spill liability if your boat leaks fuel into the water.
• Hull and Equipment Coverage: Helps pay to repair or replace your boat, engine, and boating equipment due to damage from a covered event.
• 24/7 Boat Towing: Provides round-the-clock assistance when you need help on the water or a tow back to shore.
• Medical Payments: Helps with medical expenses for you or your passengers if injured in a boating accident.
• Uninsured Boater Protection: Covers injury costs if you're hit by another boater who doesn’t have insurance.
• Salvage Coverage and Wreck Removal: Helps pay for recovery or removal if your boat is disabled or sinks.
• Agreed Hull Value or Actual Cash Value: Choose between a payout based on your boat’s agreed or depreciated value.

How Much Does Boat Insurance Cost in Wisconsin?

The cost of Wisconsin boat insurance can vary based on several factors, including the type of boat you own, its length, horsepower, number of engines, and how you use it. Its storage location as well as your boating experience and claims history also play a role. GEICO works to provide affordable coverage tailored to your needs, so you’re only paying for what makes sense for your time on the water.

Wisconsin Boat Insurance Discounts

Looking to save on Wisconsin boat insurance? GEICO offers several discount opportunities that can help lower your premium while still giving you the protection you need out on the water.

• Multi-Policy Discount: Already have a GEICO auto policy? You could save more by bundling your boat insurance.
• Boat Safety Course Discount: Complete a certified boat safety course to show you're a responsible boater and earn a discount.
• No Loss Credit: If you’ve been claim-free for a certain period, you may be eligible for a reduced rate.

Why GEICO is the Best Boat Insurance in Wisconsin

GEICO is trusted by thousands of boaters nationwide—and for good reasons. With affordable coverage options, flexible payment plans, and a fast, reliable claims process, we make it easy to protect your boat and your peace of mind. Whether you’re navigating Wisconsin’s inland lakes or the shores of Lake Michigan, you’ll have coverage that works just as hard as you do.

Plus, we give you the tools to manage your policy your way. From 24/7 claim support to BoatUS mobile app that lets you pay bills, file claims, and make updates anytime, your boat insurance goes where you go. It’s just one more reason GEICO is a smart choice for Wisconsin boaters.

Get a Free Boat Insurance Quote in Wisconsin

Smooth sailing starts with smart coverage. Get a fast, free Wisconsin boat insurance quote from GEICO today, or contact a GEICO insurance specialist for personalized guidance.

Boat Insurance in Wisconsin FAQs

• Do boats in Wisconsin need to be registered?

  Yes, most boats in Wisconsin must be registered with the Department of Natural Resources (DNR). This typically applies to motorized boats and sailboats over 12 feet long, but you should always check the requirements for your specific vessel.

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

  GEICO offers coverage for a wide range of watercraft, including fishing boats, pontoons, sailboats, jet skis, and more.

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

  Yes! Completing a state-approved boating safety course can qualify you for a discount on your boat insurance. It’s a great way to sharpen your skills and save money at the same time.

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

  Wisconsin law requires that there be a U.S. Coast Guard-approved life jacket on board for each person. Children under 13 must wear one while the boat is underway. Wearing a PFD is always a smart move, even if you’re not required to.