Does Illinois Require Boat Insurance?

Last Updated on October 16, 2022

No, Illinois does not require boat insurance. However, if you finance your boat, your lender will most likely require you to have it. Boat insurance is designed to protect you from financial loss in the event of an accident, theft, or other incident.

It can also provide coverage for damage caused by weather or natural disasters.

If you’re a boat owner in Illinois, you may be wondering if you’re required to have boat insurance. The short answer is yes, all boats must be insured in Illinois. This includes both motorized and non-motorized boats.

Boat insurance helps to protect you financially in the event of an accident or other incident that damages your boat. It can also provide coverage if someone is injured while on your boat. There are a few different types of boat insurance available, so it’s important to talk with your insurer about what type of coverage is right for you.

Some policies will cover damage to your boat caused by weather or vandalism, while others may only cover accidents. You’ll also need to decide how much coverage you need based on the value of your boat. While it’s not required by law, we always recommend that boat owners carry some form of liability insurance.

This type of policy will help to protect you financially if someone is hurt while on your boat or if you accidentally damage another person’s property with your vessel. If you don’t have liability insurance and something happens, you could be facing some serious financial repercussions. So, there you have it – all boats must be insured in Illinois.

Be sure to talk with your insurer about the right type and amount of coverage for your needs. And don’t forget about liability insurance!

Boat Insurance | Oak Lawn Illinois

What is Required on a Boat in Illinois?

It is required by law in Illinois that every vessel must have ____. 1. A sound signaling device – this can be a horn, whistle, or bell 2. A visual distress signal – this is typically a flare or mirror

3. An anchor and line 4. Bailer or bilge pump

Is It a Legal Requirement to Have Boat Insurance?

No, it is not a legal requirement to have boat insurance in the United States. However, most lenders will require you to have insurance if you finance your boat. Additionally, many marinas and docks require proof of insurance before they will allow you to dock your boat.

So while it is not required by law, it is strongly recommended that you insure your vessel.

Do I Need to Register My Boat in Illinois?

If you’re planning on operating your boat in Illinois waters, you’ll need to register it with the state. The process is relatively simple and can be done either online or in person. You’ll need to provide some basic information about your vessel, as well as proof of ownership and insurance.

Once registered, you’ll be issued a certificate that must be displayed on your boat. There are a few exceptions to the rule requiring boat registration in Illinois. If your vessel is only used on private property or non-navigable waters, you don’t need to register it.

Additionally, boats that are already registered in another state and used temporarily in Illinois are also exempt from registration. Finally, certain types of boats such as canoes and kayaks are not required to be registered in Illinois. The cost of registering your boat in Illinois depends on the length of your vessel.

For boats measuring 16 feet or less, the fee is $45 per year. For vessels between 16 and 26 feet long, the fee increases to $90 per year. And for boats 27 feet or longer, the annual registration fee is $135 .

There’s also a one-time surcharge of $10 for all new registrations .

What Happens If You Dont Have Boat Insurance?

If you don’t have boat insurance, you could be held liable for damages if your boat collides with another vessel or object. If someone is injured while aboard your uninsured vessel, you may also be sued for medical expenses. In some states, it’s even illegal to operate a boat without insurance.

So, not only could you face financial ruin if something goes wrong, but you could also end up with criminal charges.

What Kind of Insurance Do You Need for a Boat?

There are a few different types of insurance you can get for your boat. The most common and important type is liability insurance, which will cover you if you damage someone else’s property or injure someone while operating your boat. You should also consider hull insurance, which covers repairs or replacement if your boat is damaged in an accident, and protection against theft, vandalism or natural disasters.

If you finance your boat, your lender will likely require you to have comprehensive coverage.

Can You Drink And Drive a Boat in Illinois?

Drinking and driving is a dangerous combination no matter what type of vehicle you are operating. That being said, drinking and driving a boat can be especially dangerous due to the fact that boats can be difficult to control even when sober. In addition, alcohol can impair your ability to make good decisions, which can put yourself and others at risk while on the water.

In Illinois, it is illegal to operate a boat while under the influence of alcohol or drugs. If you are caught drinking and driving a boat, you could face serious penalties including fines, jail time, and the loss of your boating privileges. If you cause an accident while drunk sailing, you could also be held liable for any injuries or damage that occurs as a result.

So if you’re planning on spending a day out on the water this summer, make sure to leave the booze behind. It’s not worth risking your safety or the safety of others just for a few drinks. Stay safe on the water and enjoy your time out on the open sea!

Illinois Boating Required Equipment

There’s nothing quite like being out on the open water, surrounded by the beauty of nature. But before you set sail in Illinois, there are a few things you need to make sure you have on board. By law, every boat must have certain safety equipment onboard at all times.

Here’s a quick rundown of what you need: – Life Jackets: You must have one life jacket for each person on board. They must be U.S. Coast Guard approved and in good condition.

Children under 13 years old must wear their life jackets at all times while the boat is underway. – Fire Extinguisher: All boats must have at least one working fire extinguisher onboard. It should be easily accessible and properly maintained.

– Sound-producing Device: Every boat must have some kind of sound-producing device, such as a horn or whistle, to signal for help if needed. – Navigation Lights: If you’ll be boating after sunset or before sunrise, your boat must be equipped with navigation lights that meet U.S. Coast Guard standards. By following these simple rules, you can help ensure a safe and enjoyable time out on the water for everyone involved!

Illinois New Boating Law

In Illinois, if you’re 14 or older and want to operate a motorboat with more than 10 horsepower, you must get a Boating Safety Certificate. The law is effective January 1, 2020. You can take an online course or attend a classroom course to get the certificate.

If you were born on or after Jan. 1, 1998, you must have completed a boater education course approved by the Illinois Department of Natural Resources (IDNR) in order to legally operate a personal watercraft (PWC). This law went into effect Jan. 1, 2014. You can take an online course or attend a classroom course to get the certificate.

The IDNR offers a free online course that meets the requirements for both boaters and PWC operators at Boat%20Operator%20Safety%20Course%20Info%20Sheet_0 .pdf .

What Does a Boat Need to Be Legal

A boat needs to be registered and have a valid license in order to be considered legal. The owner of the boat must also have insurance in case of an accident. In some states, a boater safety certification may also be required.


No, Illinois does not require boat insurance, but it is highly recommended. Boat insurance can protect you financially if your boat is damaged or stolen, and it can also provide liability coverage in the event that someone is injured while on your boat. Whether or not you are required to have boat insurance will depend on the laws of your specific state, so be sure to check with your local DMV before heading out on the water.