Georgia PWC Insurance

Find the right pwc insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


With its many lakes, rivers, and the Atlantic coastline, Georgia has several attractive locations to ride a personal watercraft, commonly referred to as PWCs.

No matter where you ride the waves in Georgia, you may want to consider purchasing a PWC insurance policy to protect your finances.There are several ways to obtain insurance coverage your PWC, but the easiest way to find the right policy is by contacting a local independent agent in the Trusted Choice® network. These agents can help you compare Georgia PWC insurance quotes and obtain the right coverage to fit your needs. Find a member agent in or near your ZIP code today to get more information.

  • Total watercraft accidents: 118
  • Total watercraft injuries: 53
  • Total watercraft fatalities: 12

PWC Operation Laws and Requirements in Georgia

  • Every person riding on the PWC must be wearing a properly-sized, Coast-Guard-approved, personal floatation device (PFD)
  • Operators must have and use an emergency engine shut-off device that is firmly attached to their wrist or clothing
  • No PWC may be used between sunset and sunrise
  • PWC operators should maintain a distance of at least 100 feet from other watercraft except when idling
  • Children under 12 years old may not operate a PWC of any kind•
  • Children under 16 years old must have completed a DNR-approved boating safety course and must be under the direct supervision of a sober adult in order to operate a PWC.

This state heavily regulates the use of these small crafts in order to keep residents and visitors as safe as possible. All PWC operators are expected to know the regulations posted and enforced by the Georgia Department of Natural Resources.

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Is Georgia PWC Insurance Mandatory?

Georgia has several laws governing the use of PWCs, but there are no laws requiring owners to carry liability insurance. Georgia PWC insurance may not be required, but it is the best way to protect your finances against property damages, liability, or injury.

Types of Personal Watercraft

You might be familiar with popular PWC brand names, including Jet Ski, Sea-Doo and WaveRunner. These popular brands make up some of the many different PWCs used by residents in this state. Popular models include:

Stand-up PWCs: The first PWCs on the market, these were designed to allow an operator to stand on the craft. These can be the most challenging to operate, and there is an increased risk of tipping over.

Sit-down PWCs: An operator sits down on this type of PWC, and many models allow for a passenger on the back. They are less likely to tip over than a stand-up model.

Multi-person PWCs: These are designed to accommodate three or four people at a time, and are designed to be very stable, even with a full passenger load.

Submersible PWCs: These models can actually dive under the water.

What Are the Hazards faced by PWC Owners?

Of course, there are collision risks when operating any motorboat at high speeds. The Georgia Department of Natural Resources cautions that many accidents occur because operators do not follow the rules about underage operators, alcohol, and maintaining a safe distance from other watercrafts. PWC accidents are relatively common on Lake Lanier and Lake Altoona as they tend to be very crowded during peak boating season.

You face the same risks as any other boat owner when you store your PWC or tow it to and from the water. PWCs and their trailers can be costly investments, but proper insurance coverage can shield you from financial losses if they are damaged.

Georgia PWC Insurance Coverage Options

  • You have several options for insurance coverage for your PWC, which may include:
  • Property damage coverage
  • Medical payments coverage
  • Uninsured and underinsured boater insurance
  • Towing and assistance, both on the road and in the water
  • Wreckage removal and fuel spill cleanup coverage
  • Accessory coverage

Talk to your agent about options that will work for your needs and budget. An independent agent in the Trusted Choice network can help you create a package of insurance protection that will keep your investment safe.

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Our independent agents shop around to find you the best coverage.

How Much Does Georgia PWC Insurance Cost?

Georgia PWC insurance premiums will vary according to several factors including the make, model and value of your PWC, where and how you use and store it, and your personal driving record. Shopping around for good coverage at an affordable price can help you reduce your costs.

You may also earn insurance discounts if you have completed an approved boating safety course or have multiple policies with the same company. Ask your independent agent for more details.

Compare Georgia PWC Insurance Quotes

Your current auto and home policy may offer some coverage for your PWC, but it is likely quite limited. For example, it may only cover your Jet Ski if it is parked in your driveway, or may only offer some liability coverage, but not enough to protect you after a major accident. PWC insurance can fully protect you from the many possible hazards you face. An agent in the Trusted Choice network can help you review what coverage you already have and can advise you on how you can get better protection without spending too much money.

These independent professionals can shop for quotes from different insurers, custom-tailor a policy that is right for you, and provide excellent customer service. Contact a local member agent to start comparing Georgia PWC insurance quotes today.

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