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Compare boat insurance agents in Monterey. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Monterey, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 12 boat insurance agents in Monterey, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Jim Rinehart - State Farm Insurance Agent
2511 Garden Rd Suite C-125, Monterey, CA 93940
(831) 393-8500
jimrinehart.com
AAA Monterey Branch
53 Soledad Dr, Monterey, CA 93940
(831) 645-1900
mwg.aaa.com
Farmers Insurance - Jessica Connally
404 W Franklin St Ste 102, Monterey, CA 93940
(831) 424-0829
agents.farmers.com
Natalie Hungerford: Allstate Insurance
591 Hartnell St, Monterey, CA 93940
(831) 642-6400
agents.allstate.com
Christopher Thom: Allstate Insurance
201 Calle Del Oaks Ste A, Monterey, CA 93940
(831) 373-2791
agents.allstate.com
Capital Insurance Group
1 Lower Ragsdale Dr, Monterey, CA 93940
(877) 200-4220
ciginsurance.com
Cowell & Smith Insurance Agency
2250 N Fremont St, Monterey, CA 93940
(831) 372-5800
cowellandsmith.com
HUB International
401 Fremont St Unit 100, Monterey, CA 93940
(831) 373-4925
hubinternational.com
Finch and Pirkle Insurance
482 Alvarado St, Monterey, CA 93940
(831) 372-1206
finchandpirkleinsurance.com
Monterey Bay Insurance Services Inc
311 Vía Gayuba, Monterey, CA 93940
(831) 649-6941
Bray Insurance
444 Pearl St, Monterey, CA 93940
(831) 375-1600
brayinsurance.com
Pacific Legacy Insurance Services Inc
9699 Blue Larkspur Ln STE 101, Monterey, CA 93940
(831) 626-4561
pacificlegacyinsurance.com
Boat insurance agents in Monterey California help you protect your vessel against damage theft and liability. California law requires liability coverage for boats with motors over certain horsepower. Local agents understand the unique risks of Monterey Bay including fog and rocky shorelines.
What Does a Boat Insurance Agent in Monterey Cost?
Typical boat insurance costs in California range from 300 to 800 dollars per year for a small powerboat. Larger yachts or sailboats can cost 1000 to 3000 dollars annually. Factors include boat value horsepower navigation area and your claims history. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does boat insurance cover in Monterey California?
Standard policies cover physical damage to your boat liability for injuries or damage to others and medical payments. California law also requires uninsured boater coverage in some cases. Your agent can explain optional coverages like towing and salvage.
Do I need boat insurance to dock in Monterey Harbor?
Yes most marinas in Monterey require proof of liability insurance before you can dock. The minimum coverage is usually 300000 dollars. Your agent can help you meet these requirements.
How does California law affect boat insurance costs?
California requires boat owners to carry liability insurance if the boat has a motor of 10 horsepower or more. This law can increase minimum premiums. Your agent will factor in your boat type and usage to find a policy.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.