On 24 July 2026, the Governor of Illinois signed Senate Bill 2972, and it became Public Act 104-0651. This new law makes it unlawful for the owner of motorboat of more than 50 horsepower, a motorboat over 21 feet, or a personal watercraft to operate or allow the operation of said watercraft without liability insurance. This law is effective as of January 1, 2027.

The insurance policy coverage must be not less than $25,000 for bodily injury or death of any one person and not less than $50,000 for injury or death of two or more persons. Additionally, the policy must have a limit of not less than $20,000 for injury or destruction of property damage. Proof of insurance must be produced and displayed by the owner or operator upon request of a law enforcement officer or a person who has suffered or claims personal injury or property damage.

A person who is convicted of violating this Act is guilty of a petty offense and shall pay a fine of not less than $500, but not more than $1,000. However, a person not previously convicted or received a disposition of supervision may be fined $100 and be placed on supervision. To qualify for this sentence, you must have purchased liability insurance prior to your first appearance in court. The policy must remain in effect for the duration of sentence of supervision. If a person produces in court satisfactory evidence that at the time of the violation the motorboat or personal watercraft was covered by liability insurance, the charges may be dismissed. 

Please be advised that as this is a layman’s interpretation and opinion—you may want to consult with an attorney for additional information or clarification.