Personal Watercraft Insurance, Legal Operating Age
Smaller boats are generally simple to operate so many states allow young children to operate watercraft with less than 6 horsepower motors with no supervision. Boats with larger motors often require adult supervision for child operators.
Regulations vary by state, but in most cases, teen operators are generally given larger horsepower limits once they’ve received a boating safety certificate from a state approved training course. Boating safety courses for adults may help to lower your boat insurance rates.
Full boat operational privileges are usually available to those 16 and older. Most states to don’t have boat operator license requirements for adults, however boat owners can save on their boat insurance coverage if they successfully complete an approved boating safety course. Check with your boat insurance company for details