PWC Insurance in Texas

What Are Texas’s PWC Insurance Laws?

Texas does not require personal watercraft (PWC) insurance by law. However, if you plan to operate on public waterways like Lake Travis, dock at marinas, or finance your Jet Ski or Sea-Doo, insurance may be required by third parties. With high boating activity, warm weather, and large lake systems, PWC insurance is strongly recommended for Texas riders.

What Are Texas’s Minimum PWC Insurance Requirements?

There are no state-mandated minimum coverage requirements for PWCs in Texas. That said, many lenders and marinas may require liability insurance or full physical damage coverage. If your watercraft is financed, your lender will typically expect both collision and comprehensive coverage to protect their investment.

How Much Is PWC Insurance in Texas?

Texas PWC insurance rates are moderate compared to coastal states, though they can increase in regions with heavy lake traffic. Here's a general range:

• Basic liability coverage: Starts around $100–$150 annually
• Extensive coverage: Typically ranges between $200–$500 per year

Riders in central Texas and along the Gulf Coast may see slightly higher premiums due to theft risk and saltwater exposure.

How Do I Lower My PWC Insurance in Texas?

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

• Choose a higher deductible to reduce your monthly payment
• Complete a Texas Parks & Wildlife-approved boater safety course for a potential discount
• Store your PWC securely in a locked garage or marina with surveillance
• Limit high-risk activity like tricks or racing, which are often excluded from coverages
• Ask about multi-policy or multi-unit discounts for bundling

If you only ride seasonally, some insurers offer lay-up or storage options that reduce your premium during off months.

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 Texas

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.

Texas Registration Information

All motorized watercraft, including PWCs, must be titled and registered with the Texas Parks & Wildlife Department. Registration must be renewed every two years and decals must be displayed clearly on both sides of your PWC.

To register, you'll need proof of ownership (title or bill of sale), a completed application, and payment of required fees. Operators born on or after September 1, 1993 must also complete an approved boater education course.

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

Your location in Texas can affect your coverage needs and premiums:

• Gulf Coast Region: Higher premiums due to saltwater exposure and storm risk
• Central Texas Lakes (e.g., Austin, Waco): Moderate rates with heavy recreational use
• West Texas & Rural Areas: Lower premiums, fewer marina-based insurance requirements

Docking rules and storage security can also vary widely by region, influencing your policy cost and coverage limits.

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