Is Boat Insurance Required in Massachusetts?

Last Updated on October 16, 2022

Boat insurance is not required in Massachusetts, but it is highly recommended. There are a number of reasons why you should consider insuring your boat, even if it isn’t required by law. First and foremost, insurance can help protect you financially if something happens to your boat.

Whether it’s damage from a storm or an accident, repairs can be very expensive. If you have insurance, you won’t have to worry about coming up with the money to pay for repairs yourself.

Massachusetts Boat Insurance Part 1: Safety and Coverage

No, boat insurance is not required in Massachusetts. However, it is highly recommended. The Massachusetts Boat Owners Association recommends that all boat owners carry insurance to protect themselves and their investment.

Insurance can help cover the cost of repairs or replacements if your boat is damaged or destroyed. It can also provide liability coverage if you are sued for damages caused by your boat.

Boat Insurance Massachusetts

Boat insurance is a type of insurance that helps protect you from financial losses if your boat is damaged or stolen. It can also help cover the costs of medical expenses if someone is injured while on your boat. Boat insurance is not required by law in Massachusetts, but it is a good idea to have if you own a boat.

There are many different types of boat insurance policies available, so it is important to compare options and choose the one that best meets your needs.

Transfer Boat Registration Massachusetts

The process for transferring a boat registration in Massachusetts is relatively simple, and can be done either online or in person. To transfer registration, the new owner must first obtain a completed Application for Certificate of Title & Registration (Form number RMV-1). This form must then be submitted to the Registry of Motor Vehicles along with the applicable fee.

The Registry will then issue a new Certificate of Title and Registration in the name of the new owner. It is important to note that when transferring ownership of a boat, the former owner should also provide the new owner with a Bill of Sale (Form number MV-619) which serves as proof that ownership has been transferred. The Bill of Sale should include information such as both parties’ names and addresses, purchase price, Hull Identification Number (HIN), date of sale, and signatures from both parties.

Massachusetts Boat Title

If you’re a Massachusetts resident and you own a boat, you must have it titled in your name through the state’s Department of Fish and Wildlife. The process is simple and straightforward, and it ensures that your vessel is properly registered and documented. Here’s everything you need to know about titling your boat in Massachusetts.

The first step is to gather all of the necessary paperwork. You’ll need proof of ownership for the vessel, as well as a completed application for titling. You can find the application online or at any office of the Department of Fish and Wildlife.

Be sure to include all relevant information, such as the make, model, year, hull identification number (HIN), length, width, and propulsion type (e.g., motorized or non-motorized). Once you have all of the required documentation, you can submit it either by mail or in person at any MassWildlife office. There is a fee for titling boats in Massachusetts; as of 2019, it is $22 for vessels under 16 feet long, and $33 for those 16 feet or longer.

If you are paying by check or money order, make it payable to “Commonwealth of Massachusetts.” Upon receipt of your application and payment, MassWildlife will issue you a Certificate of Title and Registration card for your boat. These documents must be kept on board at all times while operating the vessel; if requested by a law enforcement officer, you must be able to produce them upon request.

In addition to serving as proof of ownership, the Certificate of Title also acts as evidence that sales tax has been paid on the boat (if applicable). It’s important to keep your contact information up to date with MassWildlife; if there are ever any changes (such as a new address), be sure to notify them so that they can update their records accordingly. When selling or transferring ownership of your boat, remember that you must also notify MassWildlife so that they can update their records accordingly; otherwise, you may still be held liable for any damages or violations incurred by the new owner.

Fine for Unregistered Boat in Massachusetts

If you’re caught operating an unregistered boat in Massachusetts, you could be subject to a fine of up to $500. That’s because all boats must be registered with the state in order to be operated on public waterways. The process is relatively simple and inexpensive, so there’s really no excuse for not having your boat registered.

The first step is to visit the Massachusetts Boat Registration website and fill out the application form. You’ll need to provide information about yourself, your boat, and where it will be kept. Once you’ve submitted the form, you’ll receive a registration number that must be displayed on your vessel.

Annual boat registration fees are based on the length of your vessel. For example, a boat that is 16 feet long or less will cost just $20 to register. But if your boat is over 16 feet long, the fee jumps to $40.

So it’s definitely worth it to take care of this paperwork sooner rather than later. Operating an unregistered boat in Massachusetts is against the law and can result in some pretty hefty fines. Save yourself the trouble and make sure your vessel is properly registered before heading out on the water!

Massachusetts Boat Registration

Boat registration in Massachusetts is a pretty simple process, and can be done either online or in person. The first step is to make sure that you have all of the required documents, which include a completed Application for Certificate of Number (Form B-24), Proof of Ownership, and a completed Bill of Sale. You’ll also need to provide your boat’s Hull Identification Number (HIN) and pay the associated fees.

Once you have everything ready, you can either mail it in or bring it in person to the nearest Massachusetts Environmental Police office. It’s important to note that all boats must be registered in Massachusetts if they are used on state waterways, regardless of whether they are owned by residents or non-residents. If you’re stopped by law enforcement and don’t have your registration handy, you could face some hefty fines.

So it’s definitely worth taking care of before heading out on the water!

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 it if you finance your boat. Additionally, some states may require proof of financial responsibility for boaters, which can be met by carrying boat insurance.

Do All Boats Need to Be Registered in Ma?

No, all boats do not need to be registered in MA. Boats that are used exclusively in salt water and are documented by the US Coast Guard (USCG) are exempt from registration. In addition, canoes, kayaks, paddleboards, sailboards, and rowboats that are 12 feet long or shorter do not need to be registered.

How Much is Boat Insurance in Massachusetts?

Boat insurance in Massachusetts is not as expensive as one might think. The average premium for a boat insurance policy in the state is about $500 per year. This means that for the average boater, boat insurance will cost less than $50 per month.

Of course, the actual cost of your policy will depend on a number of factors, including the type and size of boat you have, your driving record, and the amount of coverage you need.

Do You Need Insurance for a Small Boat?

No, you don’t need insurance for a small boat. However, it is recommended in case of an accident.


Boat insurance is not required in Massachusetts, but it is something that boat owners should consider. There are a few different types of coverage that boat owners can choose from, and each type of coverage has its own benefits. Boat insurance can help protect boat owners from financial loss if their boat is damaged or stolen, and it can also provide liability protection in the event that someone is injured while on the boat.