Boat Insurance Cost Calculator
Estimate a typical annual boat insurance premium in Australia. Choose the boat value and type, then any extras. This is an indicative guide, not a quote.
Your boat insurance details
Your estimate sits within the typical range.
Premiums depend heavily on where the boat is kept and used, your claims history and your boating experience, this is a rough guide only, so get a real quote.
Where the money goes
Estimated breakdown for your configuration
💰 Ways to save
- A higher excess lowers the premium, worth it if you rarely make small claims.
- Bundling with other policies and completing a recognised boating course can reduce the premium.
How we estimate this
Boat insurance in Australia typically costs $300 to $5,000+ a year in 2026 depending on the boat's value and type. A small tinnie is at the low end; a large cruiser or offshore-raced boat reaches the top.
Pricing reviewed: October 2026.
Understanding boat insurance costs in Australia
Boat insurance in Australia typically costs $300 to $5,000+ a year in 2026 depending on the boat's value and type. A small tinnie is at the low end; a large cruiser or offshore-raced boat reaches the top.
Premiums also depend on where the boat is kept, how it is used, your experience and claims history. Agreed value cover costs a little more but pays a set figure if the boat is written off.
Frequently asked questions
How much does boat insurance cost in Australia?
Typically $300 to $5,000+ a year in 2026 depending on the boat's value and type. A small tinnie is cheapest; a large cruiser costs the most.
What affects a boat insurance premium?
The boat's value and type, where it is kept and used, your boating experience and claims history, and extras like racing cover or agreed value.
Are you a insurance adviser / broker?
Everyone on this page is working out what boat insurance costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $50/mo.