Is Boat Insurance Required in Illinois?

Last Updated on October 16, 2022

Boat insurance is not required in Illinois, but it is highly recommended. There are many risks associated with owning a boat, and without insurance, you could be held financially responsible for any damage or injuries that occur. Boat insurance can protect you from liability, property damage, and even theft.

No, boat insurance is not required in Illinois. However, it is always a good idea to insure your vessel in case of accidents or theft. Boat insurance can give you peace of mind while enjoying time on the water.

Insurance 101 – Boat Insurance Basics

What is Required on a Boat in Illinois?

In Illinois, boats are required to have a registration certificate and number as well as valid decals. Other than that, the requirements for boats vary depending on the size of the boat. For example, boats less than 16 feet long are not required to have any type of lighting device, while boats that are at least 16 feet long but no more than 26 feet long must have bow and stern lights.

Lastly, all boats must have a whistle or horn that can be heard for at least one mile.

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 states have laws that mandate certain types and amounts of coverage for motorized boats.

For example, Louisiana law requires all motorized boats to be insured for at least $100,000 bodily injury liability and $50,000 property damage liability.

What Happens If You Dont Have Boat Insurance?

Without boat insurance, you are putting yourself and your boat at risk. If you are in an accident or your boat is damaged, you will be responsible for the repairs and replacements. This can cost you thousands of dollars, and if someone is injured, you could be sued for their medical bills and other damages.

Does a Boat Have to Be Registered on Water in Illinois?

No, a boat does not have to be registered on water in Illinois. However, if the boat is used for transportation purposes, it must be registered with the Illinois Department of Natural Resources (DNR). Additionally, all boats must have some form of identification, such as a Hull Identification Number (HIN), which must be displayed on the hull of the vessel.

Illinois Boat Requirements

If you’re planning on spending any time boating in Illinois, there are a few requirements you’ll need to meet. First off, all boats must be registered with the state. You can do this through the Illinois Department of Natural Resources.

Once your boat is registered, you’ll need to get it inspected by a certified marine dealer or mechanic. This is to ensure that your vessel meets all safety standards. In terms of insurance, Illinois law requires that all boats have liability coverage in case of an accident.

This includes damage to other vessels and property, as well as injuries to other people. It’s important to make sure you have enough coverage to protect yourself financially in case of an accident. Finally, remember that while boating can be a lot of fun, it’s also important to be safe.

Always wear a life jacket when on board and take care when operating your vessel. By following these simple guidelines, you can help ensure that everyone has a safe and enjoyable time out on the water.

Illinois Boat Registration Requirements

In order to register your boat in Illinois, you will need the following information: -The hull identification number (HIN) of your boat. This can be found on the back of the boat, near the stern.

-Your driver’s license or state ID card. -Proof of insurance for your boat. -Payment for the registration fee, which is $18 for a two-year registration period.

Illinois Boating License Requirements

In Illinois, anyone born after January 1, 1998 must have a Boating Safety Certificate to operate a motorized vessel on any public waters of the state. The certificate can be obtained by successfully completing an approved boater safety course from the Illinois Department of Natural Resources (IDNR). There are many ways to complete an approved boater safety course.

You can take the course online, in a classroom setting, or even via home study. Once you have completed the course, you will need to pass a final exam with a score of 80% or higher. Upon successful completion of the exam, you will be issued your Boating Safety Certificate.

It is important to note that although most boat operators in Illinois are required to have a Boating Safety Certificate, there are some exceptions. For instance, if you are operating a boat that is powered by only oars or paddles (no motor), then you do not need the certificate. In addition, certain types of vessels such as sailboats under 26 feet in length and boats used only for racing also do not require the certificate.

If you plan on operating a motorized vessel on any public waters in Illinois, it is strongly recommended that you obtain your Boating Safety Certificate. By doing so, you can help ensure a safe and enjoyable experience for everyone out on the water!


If you’re a boat owner in Illinois, you might be wondering if you’re required to have insurance. The answer is yes, all boat owners in Illinois are required to have insurance. There are a few different types of coverage that are available, and the type of coverage you need will depend on the type of boat you have and how you use it.

If you’re looking for more information on boat insurance in Illinois, read on.