A retractable boat bumper system includes a bumper plate and a positioning mechanism. The bumper plate is selectively operated between a first, retracted position wherein the bumper plate is proximate the boat and a second, extended position wherein the bumper plate is disposed away from the boat. When the boat is secured to a dock or the like, the bumper plate is disposed within the second position and protects the boat from the dock. When underway, the bumper plate is disposed within the first position such that the bumper plate is out of the way.