When two boats share the same hull type — in this case both the Cobalt Boats 220 2013 and the Cobalt Boats 242 2013 are deep vee designs with fiberglass construction — the buying decision usually comes down to a handful of practical questions: how many people are you putting on the water, how far do you trailer, and what does your tow vehicle weigh?

On paper these two are close siblings in the size department — Cobalt Boats 220 2013 at 21,3 ft versus Cobalt Boats 242 2013 at 23,9 ft. At 37 lbs and 46 lbs respectively, both sit in a similar weight class — either should pair comfortably with most mid-size SUVs and half-ton trucks, though always confirm your specific tow rating with the motor added.

The power gap is worth calling out. Rated to 430 hp, the Cobalt Boats 242 2013 has a 110-hp advantage over the Cobalt Boats 220 2013's 320-hp ceiling — enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Both carry nearly identical fuel loads — 5 gal and 5 gal — so range won't be a tiebreaker here.

For family outings this is probably the sharpest distinction between the two. The Cobalt Boats 242 2013 is rated for 13 passengers, while the Cobalt Boats 220 2013 caps at 12. If you're regularly pulling extended family or a group of friends onto the water, the extra seats on the Cobalt Boats 242 2013 could be the deciding factor.