Florida is home to more registered boats than any other state—and with good reason. Whether you’re cruising the Gulf, exploring the Keys, or enjoying the Intracoastal Waterway, owning a boat is part of the Florida lifestyle. But the question we hear most often from Florida boaters is: “How much is boat insurance in Florida?”
The Quick Answer: Boat Insurance in Florida Starts at Just $75/Year
At Barefoot Insurance Brokers, we represent Progressive, Ahoy!, GEICO, and American Integrity, which allows us to compare rates and coverages across multiple top-rated insurers. With Progressive, annual boat insurance policies in Florida start at just $75/year, depending on your boat type, location, and desired coverage.
Why Your Zip Code & Boat Type Matter
The cost of your policy can vary based on:
- Boat type (fishing boat, pontoon, sailboat, powerboat, personal watercraft, etc.)
- Your zip code and where the boat is stored or used
- Coverage limits (liability-only vs. full coverage)
- Boating experience & claims history
That’s why it’s important to speak with a marine insurance specialist who can shop around on your behalf.
5 Most Populated Coastal Regions in Florida (With Key Zip Codes)
If you’re in one of Florida’s most populated coastal areas, chances are we’ve helped your neighbors secure better marine coverage at the best price.
1. Miami-Dade County
- Main Zip Codes: 33139 (Miami Beach), 33133 (Coconut Grove), 33160 (Aventura)
- Popular for center consoles, yachts, and sportfishing boats.
2. Tampa Bay Area (Hillsborough & Pinellas Counties)
- Main Zip Codes: 33602 (Tampa), 33701 (St. Petersburg), 34698 (Dunedin)
- Great for bay boats, deck boats, and sailboats.
3. Fort Lauderdale / Broward County
- Main Zip Codes: 33316 (Harbordale), 33004 (Dania Beach), 33062 (Pompano Beach)
- Known as the “Yachting Capital of the World.”
4. Jacksonville / Duval County
- Main Zip Codes: 32210, 32223, 32207
- Popular for bass boats and cruisers in the St. Johns River and Atlantic coast.
5. Palm Beach County
- Main Zip Codes: 33480 (Palm Beach), 33410 (Palm Beach Gardens), 33401 (West Palm Beach)
- High demand for coverage on center consoles, luxury vessels, and jet skis.
We Shop Rates for You — So You Don’t Have To
Whether you’re storing your boat in Fort Lauderdale, sailing from St. Pete, or trailering to the Keys, Barefoot Insurance Brokers will compare quotes from multiple insurers to find the best protection at the lowest possible cost.
Our team understands that cost is a major concern — and we’re here to help you find coverage that fits your budget without cutting corners on protection.
📞 Call or Email Zack Epstein Today
Zack Epstein is your go-to Florida marine insurance agent and is ready to help you compare policies and get covered fast.
📱 Call: 786-440-8242
📧 Email: zack@barefootins.com
Whether you’re a first-time boat buyer or shopping for a better rate, contact us today to get your free quote and sail with peace of mind!