Arizona PWC Insurance

Find the right pwc insurance policy for you.


One may be tempted to think Arizona is nothing but canyons and desert. One trip around Saguaro Lake just outside of Phoenix, or a cruise around Lake Powell near Page, will put that notion to rest. Arizona is home to miles of lake waters for the PWC enthusiast. Prior to riding the waves, it's a good idea to obtain PWC insurance to protect you and your watercraft.

Before you search for PWC insurance quotes, however, there are several factors to consider.

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Arizona Boating Statistics

According to the U.S. Coast Guard Office of Auxiliary and Boating Safety:

  • In 2012, there were 99 recreational boating accidents in Arizona.
  • Among those accidents, four people were killed and 77 were severely injured.
  • On average, boating accidents in Arizona result in injuries 78 percent of the time.
  • During 2012, there were also 36 recreational boating accidents in which property damage occurred.
  • The total property damage during 2012 from recreational boating and PWC operation amounted to more than $680,000.
  • The average recreational boating accident in AZ caused more than $18,000 in damage.

Why is PWC Insurance Important?

PWC stands for personal water craft, and these vessels are unlike traditional boats in several ways. PWCs are ridden by sitting or standing on the craft, rather than inside, and are extremely fast and highly manueverable. Because of these differences, Arizona insurance companies offer specific policies that cover the inherent risks of operating such crafts.

Some of the reasons that make riding PWCs so fun and thrilling also make them dangerous. A moment of inattention or inexperience can result in devastating damages and loss.

Not only have you likely invested much into your PWC and you want it protected, but you will also want to shield yourself from the potential lawsuit resulting from damage or injury you cause another boater, swimmer or angler.

Can I Find Insurance for My PWC?

PWC manufacturers have come a long way since first developing recreational water crafts in the 80s. These days, there are several makes and models on the market, and chances are the Arizona insurance provider you choose has a policy for your specific PWC, including, but not limited to:

  • Jet Ski
  • WaveRunner
  • Sea-Doo
  • Side-by-side
  • Stand-up
  • Sit-down
  • Submersible
  • Jetboat

Am I Required to Carry PWC Insurance in Arizona?

Unlike states with more bodies of water, Arizona has few laws regarding boating. Per Arizona law, no one under the age of 12 may operate a motor-powered vessel over 8 horsepower unless:

  • An emergency exists, or
  • Another person at least 18 years of age is on board

Even though not required in Arizona, many boaters take a boat safety course in order to save on insurance or for boating in other states that require a boating license. And although insurance is not required by law, it's still a wise decision to protect you and your PWC from damages, injuries and lawsuit.

What Does PWC Insurance Cover?

Most Arizona insurance companies will allow you to choose from the following coverage options when you build your policy:

  • Liability coverage: This option protects you from damages or injury you cause to another boater, swimmer or angler. It also helps pay your court and legal fees should you be sued as a result of operating your PWC.
  • Collision coverage: This helps reimburse you for damage caused to your PWC as a result of a crash with another boater or object.
  • Comprehensive coverage: This options helps pay for repairs or the replacement of your PWC if it is damaged or totaled by severe weather events, vandalism or theft.
  • Accessories coverage: If you have a lot of after-market parts or have improved your PWC with gear, gadgets or other accessories, you may want to examine this type of optional coverage.

Your Arizona insurance company will typically offer you several levels of protection from which to choose from in each of these categories.

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What Will My PWC Insurance Quote Look Like?

No two PWC operators are exactly alike and, therefore, no two PWC insurance quotes will be identical. Most Arizona insurance providers take several factors into consideration when they calculate your quote, including:

  • The year, make and model of your PWC
  • The horsepower, engine type and maximum operating speed of your PWC
  • The value of your PWC
  • Any modifications you have made to the PWC
  • Boater safety courses you’ve taken
  • Your experience as a boater
  • The amount and type of coverage you choose.

The newer and more powerful your PWC, the higher the quotes you will receive. Similarly, if you have decades of experience on the water, your quotes will be lower than an inexperienced boater.

How Can I Find PWC Insurance?

Arizona may boast more desert than water, but when you do hit the lakes, you want the protection of an insurance policy. Knowledgeable, independent insurance agents on the Trusted Choice network are always available to answer your questions, suggest coverage options, and even assist you in filing a claim. These agents have years of experience working with Arizona insurance companies, enabling them to find quotes with the best coverage options at the most affordable rates. Contact a Trusted Choice agent near you to find out how you can secure a PWC insurance policy that meets your needs and budget.

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