I used a free quote generator to get a free quote on our club boat and it was way more than most people I know pay. What type of boat do you have and what do you pay for insurance if you don't mind me asking. I only found a thread on the type of insurance people had and not what they paid annually.  

Full coverage on 18' Gambler and trailer. $300,000 policy and $10,000 on my gear. This includes towing and wreckage. $365/year.

Boat, motor, and trailer full replacement value @ $50k and $15k in gear, $100k in liability with a $500 deductible, around $700

$300K Liability and and $500 deductible, replacement value on boat, motor, and trailer for $77 a year. 

WI guide, do you mind me asking who you insure thru?

WI guide, do you mind me asking who you insure thru?

It's through State Farm. I originally thought it was super cheap because I didn't insure my boat for tons, but my Dad called and got a quote on his insuring his boat for more than twice as much and I think he got the lower deductible and it was still less than $100 for the year.