Short answer: Since January 1, 2025, anyone operating a motorized vessel on California waters, including a personal watercraft (jet ski), must carry a California Boater Card regardless of age, under Harbors and Navigation Code Article 1.4 (§678.10 et seq.). California law doesn't require liability insurance for recreational boats, but marinas, lenders and some launch facilities commonly require it in their contracts.
Boater Card basics
| Item | Rule | Source |
|---|---|---|
| Who needs it | Anyone operating a motorized vessel, all ages, since January 1, 2025 | California Division of Boating and Waterways |
| Personal watercraft | Included | DBW |
| How to get it | Pass an approved boating safety course and exam, then apply | DBW |
| Exemptions | Limited, such as certain rentals, supervised operation and certain U.S. Coast Guard credentials | Harbors and Navigation Code Art. 1.4 |
Insurance: required or not?
- State law: no general insurance requirement for recreational boats.
- Marinas and slips: slip contracts often require liability coverage and naming the marina as additional insured.
- Lenders: a boat loan usually requires physical damage coverage.
- Homeowners policies: often provide little or no coverage for boats with larger engines or for watercraft liability, so check yours.
Coverage to discuss
- Liability, including injuries to swimmers and other boaters.
- Physical damage (agreed or actual cash value).
- Uninsured boater, towing and fuel spill cleanup.
Related: boat insurance, is boat insurance required in California? and how much liability insurance do I need for a boat?
Frequently asked questions
Do I need a California Boater Card to ride a jet ski?
Yes. Since January 1, 2025, anyone operating a motorized vessel, including a personal watercraft, must have one, regardless of age.
Is boat insurance required by law in California?
No general state law requires it, but marinas and lenders commonly require it by contract.
Does homeowners insurance cover my boat?
Often only in a limited way, if at all. Check your policy's watercraft provisions.
How do I get a California Boater Card?
Complete an approved boating safety course and exam, then apply through the Division of Boating and Waterways.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.