Wyoming Boat Insurance

With wide-open lakes, winding rivers, and some of the most scenic waterways in the country, Wyoming is a great place to own a boat. But before you hit the water, it’s important to make sure your vessel—and your wallet—are protected. GEICO can help you get reliable boat insurance coverage that fits your needs, whether you're cruising Flaming Gorge or casting a line on Alcova Lake.

Is Boat Insurance Required in Wyoming?

Boat insurance isn’t required by law in Wyoming, meaning you can legally operate a boat without it in many situations. However, many marinas require proof of liability coverage before you can dock. If you lease or finance your boat, your lender may also mandate boat insurance to protect their investment.

While there are no state-issued penalties for boating without insurance, skipping coverage could leave you on the hook for costly repairs or liability if something goes wrong. Wyoming boat insurance can help protect your finances and give you peace of mind no matter where your vessel takes you.

Wyoming Boat Insurance Coverage

From sunny days on Boysen Reservoir to weekend trips out on Glendo Lake, having the right boat insurance can help keep your adventures stress-free. GEICO offers a range of coverage options designed to protect you, your passengers, and your boat in the event of an unexpected mishap.

• Liability Coverage: Helps cover costs if you’re found legally responsible for injuries or property damage while operating your boat. GEICO also offers fuel spill liability, which can help pay for cleanup costs if your boat accidentally leaks or spills fuel.
• Hull and Equipment Coverage: Pays for repairs or replacement if your boat, motor, or attached equipment is damaged due to a covered incident.
• 24/7 Boat Towing: If you’re stranded on the water, GEICO’s emergency towing service can help get you back to shore, day or night.
• Medical Payments: Helps pay for medical expenses for you and your passengers if you're injured in a boating accident, regardless of fault.
• Uninsured Boater Protection: Provides coverage if you’re hit by another boater who doesn’t have insurance or enough coverage to pay for your injuries or damages.

How Much Does Boat Insurance Cost in Wyoming?

Wyoming boat insurance is more affordable than you might think, but your exact rate will depend on a few key details. Just like with auto insurance, GEICO looks at several factors to determine your premium.

The type of boat you own, its length, horsepower, and number of engines can all play a role. How you use your boat—whether it’s for fishing, cruising, or towing water skiers—also matters. Keeping your boat in a secure garage or dry dock when not in use may help lower your rate. The more we know about your setup, the more accurately we can tailor coverage that fits your needs and budget.

Wyoming Boat Insurance Discounts

GEICO offers various boat insurance discounts to help you get coverage that doesn’t cut corners, such as:

• Multi-Policy Discount: Already have a GEICO auto policy? You could save even more by bundling your boat insurance with us.
• Savings for Completed a Boat Safety Course: If you’ve taken and passed a certified boat safety course, you may qualify for a discount. It’s a smart way to save and stay safe on the water.
• No Loss Credits: Boaters with a clean history and no recent claims may be eligible for additional savings. The longer you go without a loss, the better it can be for your wallet.

Why GEICO is the Best Boat Insurance in Wyoming

From the alpine lakes of the Tetons to the quiet waters near Casper, Wyoming boaters trust GEICO for coverage that’s as reliable as it is affordable. We’re backed by decades of experience and trusted by thousands of boat owners across the country, including right here in the Cowboy State.

With 24/7 customer support, easy-to-use digital tools, and a fast, hassle-free claims process, GEICO makes it simple to get the protection you need on your terms. We also offer flexible payment options to help fit boat insurance into your budget so that you can focus more on the water and less on the paperwork.

Get a Free Boat Insurance Quote in Wyoming

Ready to set sail? Get a free Wyoming boat insurance quote from GEICO today, or contact our insurance specialists at (800) 442-9253 or through BoatUS mobile app to explore your coverage options. We're here to help you stay protected—on and off the water.

Boat Insurance in Wyoming FAQs

• Do boats in Wyoming need to be registered?

  Yes, most boats in Wyoming need to be registered with Wyoming Game and Fish. This typically includes motorized boats and sailboats over 12 feet long, but you should always check to see if your specific boat needs to be registered.

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

  GEICO boat insurance can cover a wide range of watercraft, including fishing boats, pontoons, sailboats, jet boats, and personal watercraft, like Jet Skis and WaveRunners. Coverage may vary by boat type, so it’s best to get a quote tailored to your vessel.

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

  Completing a certified boating safety course may make you eligible for a discount on your GEICO boat insurance policy. It’s a great way to stay safer on the water—and save while you’re at it.

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

  Wyoming law requires that there be a U.S. Coast Guard-approved personal flotation device (PFD) for each person on board. Children under 13 must wear a PFD at all times while the boat is underway.