Bass Boat Insurance

Get bass boat insurance for as low as $100/year for a liability policy^*

Bass boats rank among the most common types of boats we insure. Whether you use yours for fishing, observing nature, or just cruising shallow waters, we’ll help keep you and your boat protected. Quote bass boat insurance online and get the right coverages at an affordable price.

Do you need insurance for a bass boat?

Boat insurance is only legally required in a few states, but you’ll need an insurance policy with boat comprehensive and collision coverage to protect your bass boat against physical damage. Also, if you’re liable in a boating accident, boat liability coverage can pay for the damages or injuries you caused. Get more information on your state’s boat insurance requirements and learn more about how boat insurance works.

How much does bass boat insurance cost?

Starting at just $100/year for liability coverage,^* insuring your bass boat can be inexpensive with Progressive. We offer plenty of boat insurance discounts to lower your price, including one for quoting at least one day in advance.

Learn more about the cost of boat insurance.

Popular bass boat insurance coverages

Propulsion Plus^® mechanical breakdown coverage

Add Propulsion Plus coverage and we can pay to repair or replace the lower unit of your bass boat’s outboard motor for failure due to mechanical breakdown. You’re even covered if the damage is caused by general wear and tear.

Fishing equipment coverage

You can select full replacement coverage up to $10,000 for fishing rods, reels, tackle boxes, etc. Plus, you can also add personal effects coverage for items you carry on your boat, such as phones, SCUBA gear, etc. Your items can be covered if they’re damaged, stolen, or fall off your boat.

Trailer trip interruption

Progressive could reimburse you (up to $500) for food, hotel, and other transportation expenses if your boat trailer or tow vehicle breaks down more than 100 miles away from home.

See all the available boat insurance coverages for your bass or fishing boat.

Quick tips for quoting bass boat insurance

• You can add insurance for your fishing equipment, power poles and fish finders
• Completing a boater safety course could bring down your bass boat insurance cost
• Progressive offers coverage for your bass boat’s trailer
• Boat insurance won’t cover corrosion to your watercraft’s hull or manufacturing defects

We insure all types of bass and fishing boats, but we do have some limitations, including commercial fishing boats (we do insure fishing tournament use, unless it’s your primary occupation), bass boats with max speed exceeding 90 mph, charter boats and homemade boats made from a kit.