Is Boat Insurance Required in Indiana?

Last Updated on October 16, 2022

According to the Indiana Department of Natural Resources, all boats must be registered in the state of Indiana. If you are caught operating an unregistered boat, you may be subject to a fine. In addition, all boats must have some form of insurance.

The minimum amount of liability insurance required is $50,000 for bodily injury and $10,000 for property damage.

Top 10 Boat Insurance in Indianapolis, IN

Boat insurance is not required in Indiana, but it is highly recommended. There are many dangers on the water, and even the most experienced boat owners can find themselves in an accident. If you are financing your boat, your lender will probably require you to have insurance.

The cost of boat insurance varies depending on the value of your boat and the coverage you choose. Basic liability coverage starts at around $100 per year, but if you want comprehensive coverage, you could be paying several thousand dollars per year.

What is Required on a Boat in Indiana

Most people are familiar with the basic requirements for operating a boat in Indiana. You must be at least 18 years old and have a valid driver’s license. You must also take a boater safety course if you were born after December 31, 1986.

Beyond these basics, there are additional requirements that vary depending on the type of vessel you plan to operate. Inflatable boats, canoes, kayaks, paddleboards, and other manually propelled vessels require each person onboard to wear a U.S. Coast Guard-approved life jacket that is properly fitted and in good condition. All vessels must have at least one throwable floatation device onboard as well, such as a ring buoy or cushion.

Children under 13 years old must wear an approved life jacket at all times while onboard any vessel less than 26 feet long. All motorized vessels must have a fire extinguisher onboard and all operators must have completed a boater safety course unless they were born before January 1, 1982. Vessels 16 feet long or longer must also display navigation lights while underway from sunset to sunrise.

Motorized vessels less than 16 feet long only need navigation lights if they’re being operated within 200 feet of another vessel or shoreline.

What Safety Equipment is Required on a Boat in Indiana

If you’re boating in Indiana, there are a few pieces of safety equipment that are required by law. First, every boat must have at least one USCG-approved life jacket for each person on board. Additionally, boats 16 feet and longer must also have a throwable device like a cushion or ring buoy.

All boats must have working navigation lights if operating between sunset and sunrise. Powerboats must also have a whistle or horn to signal for help if needed. Finally, it’s always a good idea to have a fire extinguisher on board in case of an emergency.

Make sure it is USCG-approved and properly mounted so that it is easily accessible.

Indiana Boat Registration Requirements

If you’re a resident of Indiana and you own a boat, you’re required to register it with the state. The process is simple and can be done online or in person. Here’s what you need to know about Indiana boat registration requirements:

To register your boat in Indiana, you’ll need the following information: -The hull identification number (HIN) of your vessel -Your driver’s license or ID card number

-The date of purchase for your boat -A completed application form You can either complete the application form online or print it out and mail it in.

Once the form is completed, you’ll need to pay the registration fee. The fee is based on the length of your vessel and whether it’s used for commercial or non-commercial purposes. After your boat is registered, you’ll receive a decal that must be affixed to the hull of your vessel.

This decal must be renewed every two years. You can renew online, by mail, or in person. That’s all there is to it!

By following these simple steps, you can ensure that your boat is properly registered with the state of Indiana.

Dnr Boating Regulations

The DNR boating regulations are in place to help keep everyone safe while enjoying the waterways. Here are some of the key things to remember: • All boats must be registered with the DNR.

This includes canoes, kayaks, and paddleboards. • Everyone on board a boat must wear a life jacket at all times. Children under the age of 12 must have a life jacket that is properly fitted.

• Boats must have proper lighting if they are out on the water after sunset or before sunrise. • Boat operators must not drink alcohol while operating a vessel.

Indiana Boating Laws Life Jackets

As the weather gets warmer and summer approaches, many people start thinking about spending time on the water. Whether you enjoy boating, fishing, or swimming, it’s important to be aware of Indiana’s boating laws. One of the most important safety measures is wearing a life jacket.

Indiana law requires that everyone on board a vessel must wear a U.S. Coast Guard-approved life jacket at all times when the vessel is underway. This includes children under 13 years old. Life jackets must be properly sized and in good condition.

Children under 2 years old must wear an infant or toddler life jacket that is specifically designed for their size and weight. There are some exceptions to the life jacket rule. For example, you don’t have to wear a life jacket if you’re in a fully enclosed cabin or if you’re engaged in an activity where a life jacket would interfere (such as scuba diving).

However, it’s always best to err on the side of caution and wear a life jacket whenever possible. In addition to wearing a life jacket, there are other things you can do to stay safe while boating. Make sure you know how to operate your vessel safely and take weather conditions into account before heading out onto the water.

Be aware of your surroundings and avoid areas with lots of boat traffic or hazards like submerged objects. And always remember to practice good safety habits like not drinking alcohol while boating. By following these simple safety tips, you can help ensure that everyone has a fun and safe time on the water this summer!

Do Boats Have to Be Insured in Indiana?

Yes, boats must be insured in Indiana. The insurance requirements are set by the Indiana Bureau of Motor Vehicles (BMV). All watercraft that are propelled by machinery, including sailboats, must have liability insurance.

The minimum coverage required is $100,000 for bodily injury or death of one person, $300,000 for bodily injury or death of two or more people, and $50,000 for property damage.

What is Required to Operate a Boat in Indiana?

It is required that boats operating in Indiana waters have a valid registration, unless they fit into one of the few exceptions. The types of boats that need to be registered are: motorized vessels (including personal watercraft), sailboats with an auxiliary engine, canoes and kayaks propelled by a motor or sails, and airboats. Non-motorized vessels do not need to be registered.

All boats must display their registration numbers on the bow of the vessel in plain view. The numbers must be at least 3 inches tall and in block letters. They must be read from left to right, and should contrast with their background color.

Operators of motorized vessels must also carry proof of registration with them while on the water. This can either be the physical registration card or a digital copy displayed on a mobile device. The Indiana Department of Natural Resources offers two different types of boat registrations: annual and lifetime.

Annual registrations are valid for one calendar year and expire on December 31st regardless of when they were purchased. Lifetime registrations are valid for as long as the boat is owned by the same person, even if it changes hands multiple times over the years. Boat operators in Indiana are also required to follow all boating safety laws and regulations set forth by both state and federal governments.

Is It a Legal Requirement to Have Boat Insurance?

There is no federal law in the United States requiring boat insurance. However, most lenders will require you to have insurance if you finance your boat. And if you’re leasing a slip at a marina, the marina owner may also require proof of insurance.

Some states have laws that mandate certain types and amounts of coverage for motorized boats, but not for sailboats. In general though, it’s a good idea to insure your investment against damage, theft, liability and pollution – especially if you live in hurricane-prone areas or keep your boat in the water year-round.

What Happens If You Dont Have Boat Insurance?

If you don’t have boat insurance and something happens to your boat, you will be responsible for paying for any damage yourself. This can be extremely expensive, especially if your boat is damaged in a major way. Boat insurance protects you from having to pay out of pocket for repairs or replacements if something happens to your boat.


If you’re a boat owner in Indiana, you may be wondering if you need to get insurance for your vessel. The answer is maybe. While there’s no law in the state that requires boat owners to have insurance, if you finance your boat, your lender will most likely require you to have a policy in place.

Even if you don’t finance your boat, it’s still a good idea to insure it. Why? Because boats are expensive and accidents happen.

If you cause damage to another person’s property or injure someone with your boat, you could be on the hook for a lot of money. A boating insurance policy can help protect you from financial ruin in the event of an accident.