PWC Insurance in Utah: What You Should Know

What Are Utah’s PWC Insurance Laws?

Utah does not legally require personal watercraft (PWC) insurance for recreational use. However, if you use certain marinas, rent storage space, or finance your Jet Ski, Sea-Doo, or WaveRunner, insurance may be mandatory. While not required by the state, coverage is highly recommended due to the popularity of lakes like Lake Powell and Utah Lake, where boating accidents and property damage can occur.

What Are Utah’s Minimum PWC Insurance Requirements?

Utah has no minimum insurance requirement for personal watercraft. However, lenders commonly require full coverage for financed PWCs, and marinas may ask for proof of liability insurance before granting access or dock space. If you ride in high-traffic areas, liability protection is a smart option even if it's not mandatory.

How Much Is PWC Insurance in Utah?

Utah PWC insurance rates are typically reasonable due to seasonal riding and freshwater conditions. Premiums vary based on your experience, location, and watercraft type. Here's a general range:

• Basic liability coverage: Starts around $100–$140 annually
• Extensive coverage: Typically ranges between $200–$400 per year

Rates may be slightly higher near major bodies of water or in areas with increased theft or damage risk.

How Do I Lower My PWC Insurance in Utah?

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

• Choose a higher deductible to reduce monthly premium
• Take a Utah-approved boater safety course to qualify for a discount that some insurers may offer
• Store your PWC in a locked facility or trailer during the off-season
• Avoid high-risk activity like racing or trick riding, which are often excluded from coverages
• Ask about multi-policy or multi-unit discounts for bundling with other vehicles or watercraft

Riders who use their PWC only during summer may also benefit from lay-up options that lower premiums during the winter 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 Utah

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.

Utah Registration Information

All motorized watercraft, including PWCs, must be registered with the Utah Division of Motor Vehicles. Registration is valid for one year and requires display of registration decals on both sides of the craft.

You'll need proof of ownership (title or bill of sale), a completed application, and payment of fees. Utah also requires all PWC operators to carry the registration certificate on board while operating.

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

Your location in Utah may affect your insurance rate and policy needs:

• Salt Lake City & Urban Areas: Slightly higher rates due to theft or vandalism risk
• Lake Powell & High-Use Zones: Higher premiums due to frequent boating and accident exposure
• Rural Regions & Smaller Lakes: Lower premiums but limited repair or storage options

Local requirements at launch points or marinas may also affect whether proof of insurance is needed for docking or access.