# Illinois SB2972: BOATS-INSURANCE REQUIRED

Illinois SB2972, BOATS-INSURANCE REQUIRED, is a 104th General Assembly (2025–2026) Senate bill sponsored by Julie A. Morrison (Democratic); status signed, last action 2026-07-24 (Public Act . . . . . . . . . 104-0651); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-SB2972-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB2972
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: BOATS-INSURANCE REQUIRED
- Status: signed
- Chamber: Senate
- Introduced: 2026-01-27
- Last action: 2026-07-24, Public Act . . . . . . . . . 104-0651
- Sponsor: Julie A. Morrison (Democratic)
- Cosponsors: 1
- Subjects: assignments, transportation, transportation: vehicles & safety
- Touches household money: yes
- Roll calls: 4 (155 yes, 29 no in all)
- Economic provisions PRIA read: 1

## Summary

Amends the Boat Registration and Safety Act. Provides that it is unlawful for the owner of a motorboat of more than 50 horsepower or a personal watercraft to operate or allow the operation of the motorboat or personal watercraft unless it is covered by a liability insurance policy with at least $50,000 of liability coverage per occurrence. Requires every owner or operator of a motorboat of more than 50 horsepower or a personal watercraft to carry within the motorboat or personal watercraft evidence of insurance. Provides penalties for violations. Authorizes the Department of Natural Resources to adopt rules as necessary to implement the provision.

## Bill overview: provisions PRIA read

- Boat owners face new insurance rules: mixed, medium. Owners must insure motorboats over 50 horsepower, motorboats longer than 21 feet, and personal watercraft before anyone operates them. The policy must meet state minimums for bodily injury, death, and property damage, and come from an insurer authorized in Illinois. Proof must be shown when a law e…

## Sponsors and cosponsors

- Sponsor: Julie A. Morrison (Democratic), Senate
- Cosponsor: Anthony DeLuca (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-05-21 | House | Third Reading - Short Debate - Passed | pass | 80 | 22 | 3 |
| 2026-05-13 | House | Do Pass / Short Debate Transportation: Vehicles & Safety; | pass | 10 | 0 |   |
| 2026-04-15 | Senate | Third Reading - Passed; | pass | 49 | 6 |   |
| 2026-03-11 | Senate | Do Pass as Amended Transportation; | pass | 16 | 1 | 1 |

## Actions (40)

- 2026-07-24: Public Act . . . . . . . . . 104-0651 (Senate)
- 2026-07-24: Effective Date January 1, 2027 (Senate)
- 2026-07-24: Governor Approved (Senate)
- 2026-06-18: Sent to the Governor (Senate)
- 2026-05-21: Passed Both Houses (Senate)
- 2026-05-21: Third Reading - Short Debate - Passed 080-022-003 (House)
- 2026-05-19: Placed on Calendar Order of 3rd Reading - Short Debate (House)
- 2026-05-19: Second Reading - Short Debate (House)
- 2026-05-13: Placed on Calendar 2nd Reading - Short Debate (House)
- 2026-05-13: Do Pass / Short Debate Transportation: Vehicles & Safety; 010-000-000 (House)
- 2026-05-07: Committee Deadline Extended-Rule 9(b) May 15, 2026 (House)
- 2026-04-27: Assigned to Transportation: Vehicles & Safety (House)
- 2026-04-15: Referred to Rules Committee (House)
- 2026-04-15: First Reading (House)
- 2026-04-15: Chief House Sponsor Rep. Anthony DeLuca (House)
- 2026-04-15: Arrived in House (House)
- 2026-04-15: Senate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a) (Senate)
- 2026-04-15: Third Reading - Passed; 049-006-000 (Senate)
- 2026-03-24: Placed on Calendar Order of 3rd Reading March 25, 2026 (Senate)
- 2026-03-24: Second Reading (Senate)
- 2026-03-13: Senate Committee Amendment No. 1 Rule 3-9(a) / Re-referred to Assignments (Senate)
- 2026-03-11: Placed on Calendar Order of 2nd Reading March 12, 2026 (Senate)
- 2026-03-11: Do Pass as Amended Transportation; 016-001-001 (Senate)
- 2026-03-10: Senate Committee Amendment No. 3 Adopted (Senate)
- 2026-03-10: Senate Committee Amendment No. 2 Adopted (Senate)
- 2026-03-10: Senate Committee Amendment No. 1 Postponed - Transportation (Senate)
- 2026-03-04: Senate Committee Amendment No. 3 Assignments Refers to Transportation (Senate)
- 2026-03-03: Senate Committee Amendment No. 2 Assignments Refers to Transportation (Senate)
- 2026-03-03: Senate Committee Amendment No. 3 Referred to Assignments (Senate)
- 2026-03-03: Senate Committee Amendment No. 3 Filed with Secretary by Sen. Julie A. Morrison (Senate)
- 2026-02-24: Postponed - Transportation (Senate)
- 2026-02-24: Senate Committee Amendment No. 2 Referred to Assignments (Senate)
- 2026-02-24: Senate Committee Amendment No. 2 Filed with Secretary by Sen. Julie A. Morrison (Senate)
- 2026-02-17: Senate Committee Amendment No. 1 Assignments Refers to Transportation (Senate)
- 2026-02-13: Senate Committee Amendment No. 1 Referred to Assignments (Senate)
- 2026-02-13: Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison (Senate)
- 2026-02-03: Assigned to Transportation (Senate)
- 2026-01-27: Referred to Assignments (Senate)
- 2026-01-27: First Reading (Senate)
- 2026-01-27: Filed with Secretary by Sen. Julie A. Morrison (Senate)

## Bill text

- Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972eng.pdf)
- Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972enr.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972.pdf)
- Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam001.pdf)
- Senate Amendment 2: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam002.pdf)
- Senate Amendment 3: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam003.pdf)

## Related bills

- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB2563: CONDO-RESERVE STUDY (in committee)
- HB4701: LIMITATIONS FACILITY FEES ACT (in committee)
- SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate)
- SB3484: VEH CD-PLATES-REGISTRATION (signed)

## Sources
- [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972eng.pdf)
- [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972enr.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972.pdf)
- [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam001.pdf)
- [Senate Amendment 2 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam002.pdf)
- [Senate Amendment 3 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB2972sam003.pdf)

## Related
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026)
- [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026)
- [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026)
- [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026)
- [Illinois bills](https://policyrisk.com/states/illinois/bills)
- [Illinois state hub](https://policyrisk.com/states/illinois)
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Source: PRIA, https://policyrisk.com/state-bill/IL-SB2972-2025-2026 (as of 2026-11-01).