I just checked my USAA insurance and they refer me to Progressive. They have a pretty good wizard allowing me to enter all of the info/options and get an estimate. It makes sense for me to get at least liability insurance so that I'm not at risk in case something bad on the lake happens. Plus, at a certain point, they throw in towing coverage in case something happens on the road and for a little more, include boat tow coverage as well. Regardless, for my 1983, it was still around $125 to $175 per year depending on the options. I can spend that much fairly quickly with boat supplies, reel, camping gear, etc. Makes complete sense to me to get it (I'm not a risk taker really).