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Boat Insurance Discounts

Some boat insurance discounts for you

The cost of boat insurance begins at just $100 a year. Quote today, customize your coverages, and we’ll automatically apply the discounts you qualify for. Here are some of the most popular ways we can help you save:

Multi-Policy discount

Have an auto, RV, motorcycle, homeowners, renters, condo, or commercial policy with the same insurance company? The insurance company will say thank you by lowering your price. Learn more about bundling.

Responsible driver

If you have no watercraft or motor vehicle violations or accidents on your record for the last three years, you can significantly lower your boat insurance rate.

Original owner

If you’re the original owner of your boat and your policy’s coverages include comprehensive and collision, you’ll receive a discount.


If you already carry boat insurance, you’ll may get a discount for switching from some of our insurance company partners.


We’ll provide a discount for membership in the United States Coast Guard Auxiliary (USCG) or United States Power Squadron (USPS). In most states, USAA members will also receive a discount.


Earn a discount if you have more than one boat on your policy.

Advance quote

Get rewarded for shopping in advance! Some insurance companies will provide a discount if you purchase your boat policy at least one day prior to when it goes into effect. The discount amount may increases if you buy a policy more than a week before it is scheduled to start.

Pay in full

Get a discount just for paying your boat policy up front and in full.

Prompt payment

At least one of our insurance carrier partners will give you a disocunt as long as you pay your installment premiums on time. That seems easy enough.

Safety course

Simply complete any state-approved safety course and some insurance companies will provide you additional savings.

More ways to save on boat insurance

Sometimes discounts aren’t the only want to save on boat insurance. Check out these other ways to save:

  • Small accident forgiveness – You’ll enjoy small accident forgiveness as soon as you start your boat policy. With our insurance carrier parnters Progressive, that means your rate won’t increase if you have a claim of $500 or less.
  • Large accident forgiveness – If you’ve been a Progressive insurance policy holder for at least four years and accident-free for the past three years, your rate will not increase for any boat accident.
  • Disappearing deductibles – If you add this coverage by endorsement, you may be ablet to subtract 25% from your deductible amount for every claim-free period on your boat insurance policy…all the way down to $0!

Get a boat insurance quote

Compare boat insurance quotes with us today. It’s Fast, Free, and Secure.

Call 1-877-334-7646 to speak with an insurance agent.