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High-performance boats come in a range of sizes and power outputs to suit your activities on the water. . GUIDELINES · Owner/Operator with Prior High Performance Experience (minimum 3 years) of Similar Speed & Size Vessel · Primary Operator >= 25 years of age · Secondary Operator >= 18 years of age · Valid Drivers License · Acceptable MVR · Acceptable Boating Experience Resume · <26' up to 99mph · >26' up to 150mph12. To help you find the right policy, we researched leading insurers and identified the eight best boat insurance companies of 2023. Your local GreatFlorida Boat Insurance Agent in Florida will help you find the best deal for you. Advertising Solutions. Average boat insurance costs range from $245 to $652 per year ($20 to $54 per month), depending on where you live and other factors. As marine risk advisors, we help you navigate your way to customized, comprehensive insurance solutions that best protect you, your crew. 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