This is a question we get all the time. How much does boat insurance cost? Insurers consider many factors when determining rates for boat insurance. As an independent agency, we work to get rates from various marine insurance carriers. Once we have the basic information, it is a quick process to get rates. Here are all the factors that go into pricing for boat and yacht insurance. If you have any questions after reviewing this information, just reach out to us, and we’ll be happy to help!