Watercraft Insurance Cost in 2026: $200–$1,500/Year by Boat Type
Reading Time: 9 minutesAverage boat insurance cost runs $300 to $500 a year for most recreational vessels, or roughly 1% to 1.5% of the boat’s value annually. Jet ski and personal watercraft insurance costs $100 to $500 a year. A 30-foot cabin cruiser typically lands between $600 and $1,200; yachts over 40 feet start around $2,500 and climb […]