I'm paying $191 (0r $211...can't remember which is for my mono-slug) annually for my 2004 Nacra F18. Don't expect to use online quotes and get an accurate answer. As much as you might not like it, pick up the phone and call Progressive - you'll get someone quick, they'll call you back when they say they will, and will be able to be more accurate for a boat than you can get from their website.