Subd. 1. Adult operators.

An adult operator may not operate a motorboat, including a personal watercraft, unless:

1. (1) the adult operator possesses a valid watercraft operator's permit;
2. (2) the adult operator is an exempt operator; or
3. (3) an accompanying operator is in the motorboat.

Subd. 2. Young operators.

1. (a) A young operator may not operate a personal watercraft or any motorboat powered by a motor with a factory rating of more than 75 horsepower.
2. (b) A young operator may operate a motorboat that is not a personal watercraft and that is powered by a motor with a factory rating of less than 75 horsepower if an accompanying operator is in the motorboat.

Subd. 3. Accompanying operators.

For purposes of this section and section 169A.20, an accompanying operator, as well as the actual operator, is operating and is in physical control of a motorboat.

Subd. 4. Owners may not allow unlawful use.

An owner or other person in lawful control of a motorboat may not allow the motorboat to be operated contrary to this section.

Subd. 5. Exception for low-powered motorboats.

Notwithstanding the other provisions of this section, a person of any age may operate a motorboat that is not a personal watercraft that is powered by a motor with a factory rating of 25 horsepower or less without possessing a valid watercraft operator's permit and without an accompanying operator in the motorboat.