man and woman on jet skis

A Jet Ski is to personal watercraft (PWC) as Kleenex® is to tissue paper – it’s a brand name that is practically synonymous with an entire class of watercraft that people sit or stand on.

Insurance costs can vary widely, depending on what PWC you have or are looking to purchase. Everyone’s situation is different and there are several factors that determine how much Jet Ski insurance costs.

Factors that influence the cost of PWC insurance

Some of the factors that may go into a PWC insurance quote include:

  • Year, make and model
  • Horsepower, engine type and maximum speed
  • Market value
  • Whether it has any modifications
  • Policy and vehicle coverage amounts
  • Where it is stored
  • How it is used
  • Your claims, credit and accident history

Is PWC insurance required?

Insurance is typically required if you rent PWCs or live in a state that requires certain minimum liability insurance limits. Also, your bank or other lending institution will require you to carry coverage if you finance or lease your PWC.

Even if PWC insurance isn’t required for your situation, it’s always a good idea to protect your investment – as well as your assets.

PWC insurance discounts

In addition to affordable rates, Nationwide offers PWC insurance discounts for completing a PWC safety course (a requirement in most states) or by having multiple policies with Nationwide.

Getting a PWC insurance quote

The best way to figure out how much insurance will cost for your Jet Ski or other personal watercraft is to get a quote.

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