Texas boater education and the rules behind it
If you were born on or after September 1, 1993, you likely need a boater card before you take the helm.
Texas requires many boaters to complete an approved boater education course before operating on public water. The rule turns on your birth date and the type of boat, and it comes with age limits, carry requirements and a few related laws every boat owner should know.
Insurance enters the picture in two ways. A boat policy may ask who will operate the boat and whether they've taken a course, and some insurers offer a discount for it. Discounts vary by company, so ask rather than assume.
Reviewed by Jason Patterson, Texas-licensed agent, Life, Accident, Health & HMO (TDI license #1554827, NPN 8642444). Facts checked against the sources listed below on October 6, 2026. How to verify a Texas license
Who must take the course
Under Parks and Wildlife Code Sec. 31.109, the requirement applies to anyone born on or after September 1, 1993, who operates on Texas public water:
- A vessel powered by a motor rated at more than 15 horsepower.
- A windblown vessel (sailboat) over 14 feet long.
- A personal watercraft (PWC), according to Texas Parks and Wildlife Department (TPWD) guidance.
What you have to carry
If the rule applies to you, you must have a photo ID and either a TPWD boater identification card or proof of completing the requirements for a U.S. Coast Guard vessel operator's license. A Texas boater card doesn't expire.
If you're cited for not having the card, the law gives you a way out. Producing a card that was valid at the time gets the charge dismissed. Otherwise, within 10 days you can ask the court to let you take the course, and the charge is dismissed if you finish within 90 days.
Exemptions
Sec. 31.110 exempts a person who:
- Holds a U.S. Coast Guard master's, mate's or operator's license.
- Is supervised on board by someone 18 or older who is exempt or holds a boater card.
- Is a nonresident with proof of a TPWD-approved course from another state.
- Is exempt by TPWD rule, such as some customers of boat rental, sales or demo businesses.
Age limits for boats and PWCs
Separate from the course requirement, Texas sets minimum operating ages. Under Secs. 31.106 and 31.107, no one under 13 may operate a PWC or a motorboat over 15 horsepower unless supervised on board by someone at least 18 who can legally operate it.
PWCs have extra rules: everyone aboard or being towed must wear an approved life jacket, the engine cutoff lanyard must be attached if the craft has one, no operation between sunset and sunrise, and headway speed within 50 feet of other boats, people, docks or shore. On motorboats under 26 feet equipped with an engine cutoff switch, Sec. 31.1071 requires the operator to attach it when going faster than headway speed.
Taking the course
TPWD offers boater education online and in classrooms. Its FAQ says fees start at $20 for a basic course. If you have teenagers who'll be driving the family boat, plan for each of them to take it. It's also worth taking yourself even if you're exempt, because it covers navigation rules and emergencies that matter when something goes wrong.
Accidents and BWI
TPWD says an operator involved in an accident must report it to TPWD or local law enforcement within 30 days if it causes injury needing treatment beyond first aid or more than $2,000 in damage to vessels or property, and within 48 hours if someone dies.
Boating while intoxicated is a crime under Penal Code Sec. 49.06, a Class B misdemeanor with a minimum 72 hours in jail for a first offense. "Intoxicated" includes a 0.08 alcohol concentration. TPWD notes that refusing a breath or blood test while operating a boat with an engine of 50 horsepower or more can lead to an automatic driver's license suspension.
A plan for families with young operators
Teenagers are the group most affected by these rules, and the most likely to be handed the keys at the lake. A few steps keep you on the right side of the law and your policy:
- Have each child born on or after September 1, 1993 (in practice, anyone who is a teen today) finish an approved course before they operate alone.
- Keep a photo ID and the boater card with them whenever they drive the boat or PWC.
- Under 13, an adult 18 or older must be on board and supervising for a PWC or a motorboat over 15 horsepower.
- Tell your insurer about every regular operator, including teens and friends who borrow the boat.
Registration and insurance
TPWD requires registration for all motorized boats, and for non-motorized boats (including sailboats) 14 feet or longer, though canoes, kayaks and similar paddle craft without a motor are exempt. Texas doesn't make boat insurance a registration requirement, but marinas and lenders commonly require it. The one notable statutory insurance requirement is for party boats: Parks and Wildlife Code Sec. 31.175 requires party boat owners to carry minimum liability insurance set by the TPWD commission.
When you shop for a policy, tell the agent who will operate the boat, their ages, and whether they hold boater cards, and ask whether completing the course changes the price.
Common questions
Anyone born on or after September 1, 1993, operating a PWC, a boat with a motor over 15 horsepower, or a sailboat over 14 feet on public water, unless an exemption applies.
At least 13 to operate a PWC without on-board supervision by someone 18 or older; operators born on or after September 1, 1993, also need a boater card.
Texas doesn't require it to register a recreational boat, though marinas and lenders often do. Party boats must carry minimum liability insurance under state law.
No. Parks and Wildlife Code Sec. 31.109 says a boater identification card issued after completing an approved course does not expire.
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Sources
- Parks and Wildlife Code Chapter 31. Water Safety, Texas Legislature. Checked October 6, 2026.
- Boater Education, Texas Parks and Wildlife Department. Checked October 6, 2026.
- Texas Boater Frequently Asked Questions, Texas Parks and Wildlife Department. Checked October 6, 2026.
- Frequently Asked Questions About Boating Laws, Texas Parks and Wildlife Department. Checked October 6, 2026.
- Penal Code Chapter 49. Intoxication and Alcoholic Beverage Offenses (Sec. 49.06), Texas Legislature. Checked October 6, 2026.
- Registration Requirements, Texas Parks and Wildlife Department. Checked October 6, 2026.
General information only, not insurance advice. Coverage, availability and terms vary by insurer and are subject to underwriting. Local figures come from public data sources listed on each page. Quote My Policy is operated by Jason Patterson, an insurance agent licensed by the Texas Department of Insurance for life, accident, health and HMO insurance (license #1554827, NPN 8642444). Nothing here binds coverage.
