Sea Ray 190 SPX insurance: calculate your premium
Model page, insured as a motorboat
The Sea Ray 190 SPX is insurable with us as a motorboat, whatever its year, wherever you bought it and however many owners came before you. Liability, hull, legal expenses and personal accident cover sit in one contract, set up online in five minutes.
At a glance
Sea Ray 190 SPX: cover, cost and conditions
For the Sea Ray 190 SPX we do not price by model name. The premium comes from five entries in the online calculator: type of boat, year, value, engine output and cruising area.
The premium for a Sea Ray 190 SPX starts from €49 a year. How much hull cover adds depends on the value: partial cover pays for fire, storm, lightning, theft of the whole boat and winter storage damage, full cover also for collision, grounding, vandalism and theft of parts. On a total loss we pay the agreed value, in Premium with no new-for-old deduction.
Whether bought used, brought in from abroad or ordered new, we write the Sea Ray 190 SPX with a berth in Germany or abroad. The international certificate of insurance arrives automatically in ten languages. Take cover out before the handover and transport and the first launch are already insured.
Not to be mixed up with its sisters: this is the Sea Ray 190 SPX, number one hundred ninety.
What is a used Sea Ray 190 SPX worth?
A used Sea Ray 190 SPX built between 2016 and 2024 in average condition is typically worth between
€32,100 and €69,300 today.
Well kept boats with recent engines sit above that, boats with defects below.
| Year built | typical range | midpoint |
|---|---|---|
| 2024 | €41,500 to €52,900 | €47,200 |
| 2023 | €54,500 to €69,300 | €61,900 |
| 2022 | €49,900 to €63,500 | €56,700 |
| 2021 | €43,600 to €55,500 | €49,600 |
| 2020 | €40,000 to €50,900 | €45,400 |
| 2019 | €37,900 to €48,300 | €43,100 |
| 2018 | €35,300 to €44,900 | €40,100 |
| 2017 | €33,400 to €42,600 | €38,000 |
| 2016 | €32,100 to €40,900 | €36,500 |
Does the sum insured on your Sea Ray 190 SPX still match what it is worth today?
After a total loss, that number is what counts.
Each extra year of age takes about 3% off the value of a Sea Ray 190 SPX.
Market today
In October 2026 we found 24 boats of the Sea Ray 190 SPX for sale.
Typical asking price for a 2020 Sea Ray 190 SPX: €55,900.
Our value for a Sea Ray 190 SPX of that year: €45,400.
Asking prices for the Sea Ray 190 SPX are about 23% above our value.
What changes hands is usually less than the asking price.
Boats for sale now and how we rate them
How we rate the 24 boats of the Sea Ray 190 SPX we found for sale most recently.
| Year | Length | Market | Price | Our assessment | Listing |
|---|---|---|---|---|---|
| 2027 | international | €66,880 | no assessment | scanboat.com | |
| 2027 | international | €75,928 | no assessment | scanboat.com | |
| 2027 | international | €77,825 | no assessment | scanboat.com | |
| 2027 | international | €83,164 | no assessment | scanboat.com | |
| 2026 | international | €59,920 | no assessment | scanboat.com | |
| 2026 | international | €85,608 | no assessment | scanboat.com | |
| 2025 | 5.97 m | international | €55,000 | no assessment | yachtall.com |
| 2025 | 5.96 m | international | €69,360 | no assessment | yachtall.com |
| 2024 | international | €60,000 | On the high side 27% above our value | scanboat.com | |
| 2024 | 5.94 m | Germany | €68,720 | On the high side 46% above our value | boote.de |
| 2024 | 5.99 m | international | €69,999 | On the high side 48% above our value | yachtall.com |
| 2024 | international | €76,149 | Well above the market 61% above our value | scanboat.com | |
| 2023 | 5.94 m | international | €62,400 | Within the usual range in line with our value | yachtall.com |
| 2023 | 5.94 m | Germany | €62,900 | Within the usual range in line with our value | boote.de |
| 2023 | international | €68,090 | Within the usual range 10% above our value | scanboat.com | |
| 2023 | 5.94 m | international | €73,900 | On the high side 19% above our value | yachtall.com |
| 2022 | 6.00 m | international | €39,900 | Good price 30% below our value | yachtall.com |
| 2022 | 5.94 m | Germany | €59,900 | Within the usual range 6% above our value | boote.de |
| 2022 | 5.94 m | international | €65,900 | On the high side 16% above our value | yachtall.com |
| 2021 | 5.94 m | Germany | €70,000 | On the high side 41% above our value | boote.de |
| 2020 | 5.94 m | international | €47,500 | Within the usual range 5% above our value | yachtall.com |
| 2018 | international | €34,920 | Good price 13% below our value | scanboat.com | |
| 2016 | Germany | €28,500 | Good price 22% below our value | kleinanzeigen.de | |
| 2016 | 5.94 m | Germany | €30,500 | Good price 16% below our value | kleinanzeigen.de |
As of October 2026.
Prices and details come from the listings.
Whether the boat is still for sale is shown in the listing.
Our assessment assumes average condition.
Estimate from our boat records, checked regularly against asking prices. As of October 2026. Not a survey.
Frequently asked
Does NAMMERT insure the Sea Ray 190 SPX?
Yes.
Whether we insure the Sea Ray 190 SPX depends not on make or model but on type of boat, year,
value, engine output and cruising area.
What does cover for a Sea Ray 190 SPX cost?
For the Sea Ray 190 SPX the premium starts from €49 a year.
The online calculator shows the exact amount after a few entries,
without you leaving any contact details.
My model is spelled slightly differently, does this page still apply?
Yes.
With the Sea Ray 190 SPX, spelling and suffixes often differ between model years and papers.
Use the name from your documents; premium and cover follow the technical figures.
On a total loss, do I get the replacement value?
With full cover, yes.
The Sea Ray 190 SPX is settled at the agreed value,
in the Premium tariff with no cap and no new-for-old deduction.
Can I switch from my existing insurer?
Yes.
The old contract for your Sea Ray 190 SPX is cancelled by our switching service at no cost.
You pay only after it runs out, and the switching discount stays for good.
Other models by this make
Sea Ray 190 SPX insured in five minutes.
Calculate your insurance premium online, policy the same day, or call us: +49 3375 / 29 12 77.
