PWC Insurance in Alaska: What You Should Know

What Are Alaska’s PWC Insurance Laws?

Alaska does not require personal watercraft (PWC) insurance by law. However, insurance may be mandatory if you dock at certain marinas, participate in organized boating events, or finance your Jet Ski or WaveRunner through a lender. Even in remote or lightly trafficked waters, coverage can be essential for protecting your investment from damage, liability, or theft.

What Are Alaska’s Minimum PWC Insurance Requirements?

There are no state-mandated minimum PWC insurance requirements in Alaska. However, marinas, harbors, or lenders may require you to show proof of liability or physical damage coverage. If you're financing your PWC, expect to carry full coverage, including collision and comprehensive insurance.

How Much Is PWC Insurance in Alaska?

PWC insurance premiums in Alaska are influenced by seasonal use, storage conditions, and your proximity to urban centers or coastal areas. Here’s what you can generally expect depending on coverage and risk factors:

• Basic liability coverage: Starts around $100–$150 annually
• Extensive coverage: Typically ranges between $200–$450 per year

Premiums may be slightly higher if your watercraft is stored outdoors, used in saltwater, or operated in areas with minimal rescue access.

How Do I Lower My PWC Insurance in Alaska?

You can lower your premium by making a few smart choices:

• Choose a higher deductible to reduce your monthly premium
• Take a boater safety course—some insurers offer discounts for certified riders
• Store your PWC securely (in a garage, on a locked trailer, or in a dry dock)
• Avoid high-risk activity (like racing or stunt riding—these are often excluded from coverage)
• Ask about seasonal or lay-up options if you only use your PWC in summer months

Remaining claim-free may also qualify you for renewal discounts with some carriers.

Additional Requirements: Are You Leasing?

If you’re leasing or financing a PWC, your lender will almost certainly require extended coverage, including:

• Collision coverage – May pay for damage from crashes
• Comprehensive coverage – May cover theft, vandalism, fire, and weather-related losses

Keep in mind that different lenders may have their own specific insurance requirements beyond standard coverage. Some may ask for proof of policy before releasing funds, and others might require higher liability limits or additional protections. If your PWC is brand new or tends to depreciate quickly, consider asking about GAP coverage—this optional add-on can help pay off the remaining balance on your loan if your watercraft is totaled and its actual value falls short.

How to Get PWC Insurance in Alaska

Getting covered is simple and fast. You can buy a PWC insurance policy:

• Call us at 1-877-240-4678
• Get a free instant online quote through our portal

Be ready with your watercraft’s make, model, year, VIN/HIN, and usage info.

Alaska Registration Information

All motorized watercraft in Alaska—including PWCs—must be registered with the Alaska Division of Motor Vehicles (DMV). Registration is valid for three years. You’ll need to submit proof of ownership (title or bill of sale), complete an application, and pay applicable fees.

PWCs must display valid registration decals while operating on public waters. Failure to register can result in fines or restricted access to some waterways.

How Does PWC Insurance Differ Depending on Where I Live in Alaska?

Alaska’s vast geography and varied climate create differences in risk and pricing:

• Coastal Regions (e.g., Anchorage, Juneau): Higher premiums due to saltwater exposure and year-round theft risks
• Interior Lakes and Rivers: Lower premiums but may depend on access to repair and rescue services
• Remote Areas: May face limited insurer availability or higher deductibles due to logistical challenges

Location may also affect your eligibility for seasonal storage discounts or lay-up policies.

This guide is for informational purposes only and does not constitute legal or insurance advice.