I just throw my 2 cents in.

I’m form Chicago, IL and I pay 122.00$ for the N6.0na and trailer. The boat value is $6000, boat equipment $600 and trailer $400.

Water liability $300000 additional $15 and watercraft medical $5000 (each person) additional $2.

Deductible is $250 for each occurrence.

So the total for the year is $ 139.00 (Allstate) this price includes discount because I have 2 cars insured with them as well.

I hope this will helps

Kris