Oklahoma boat insurance

Oklahoma is home to more than 200 lakes, including Grand Lake o' the Cherokees, Lake Texoma, and Broken Bow Lake. These lakes offer boaters the opportunity to fish, ski, or cruise the open waters. No matter which activities you prefer, Progressive offers customized and affordable protection for you and your boat. Learn about boat insurance in Oklahoma, including coverages, discounts, and cost information.

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Do you need boat insurance in Oklahoma?

Boat insurance isn't required by Oklahoma law, but some marinas may mandate boat liability coverage. If you lease or finance your watercraft, your lender may require comprehensive and collision coverages for your boat, which may pay to repair or replace your damaged or stolen watercraft.

Coverage	What it covers
Bodily injury and property damage liability	What it coversInjuries you're liable for and damage you cause to another boat or property while boating
Comprehensive	What it coversTheft, vandalism, fire, glass breakage, collisions with animals, and weather-related issues
Collision	What it coversCollisions with another watercraft, docks, or objects

How much is boat insurance in Oklahoma?

In 2023, the average annual cost for a Progressive boat insurance policy in Oklahoma was $410.67.^** However, Progressive offers boat insurance in Oklahoma for as little as $100/year for a liability-only policy.^* Your cost for boat insurance depends on several factors, such as:

Type of watercraft: From pontoon boats to PWCs, your boat's unique features may influence your rate
Boating experience: Experienced boaters may pay less for boat insurance than boaters new to operating a watercraft
Claims history: If you've filed an insurance claim in the past, regardless of fault, you may pay more for a boat policy
Horsepower: A powerboat with a large engine may cost more to insure than a sailboat with a smaller engine

Boaters in Oklahoma can save on boat insurance by bundling insurance policies with Progressive. Get a multi-policy discount when you combine boat insurance with auto, homeowners, renters, RV, or motorcycle.

How to lower the cost of boat insurance in Oklahoma

If you live in Oklahoma City, Tulsa, Norman, or anywhere else in the Sooner State, you can secure cheap boat insurance in Oklahoma through Progressive. We help you start to save immediately with a variety of discounts that can be automatically added to your policy, such as:

Multi-policy
Advance quote
Original owner
Paid in full
Safety course

Find out more about boat insurance discounts.

What's the best boat insurance in Oklahoma?

From Broken Arrow to Edmond and throughout Oklahoma, the best boat insurance offers reliable coverage at a price you can afford. Progressive provides inexpensive and dependable protection that's personalized to you and your boat. Plus, unlike some boat insurers, we don't require a marine survey to get a policy.

Pro tip:

Auto insurance may pay for injuries or damages you cause while towing your boat trailer, but it won't pay for damage to your trailer. However, a boat insurance policy can pay to repair or replace your damaged boat trailer up to your policy's limits.

Additional boat coverages in Oklahoma

Sign & Glide®: If your boat is stuck on the water, Sign & Glide® towing assistance^†† can help with on-water towing, jump starts, fuel delivery,^† and more.
Propulsion Plus® mechanical breakdown coverage: In the event of a mechanical breakdown, Progressive can pay to repair or replace the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor (coverage doesn't apply to jet drives or inboard motors).
Wreckage removal: If your boat sinks, we can pay to remove your boat from the water.
Fuel spill: Progressive covers the cost of legally required cleaning that comes with spilled fuel.
Watersport coverage: If your guests are injured from water-tubing, water-skiing, and other related sports, we may cover their medical expenses up to a certain limit.
Fishing equipment or carry-on items: If your fishing equipment or other gear is lost or stolen, you can receive the full replacement cost up to $10,000 for fishing gear, scuba gear, phones, and other items. There's a $1,000 limit per item.

See all Progressive boat insurance coverages.

Oklahoma boating information

In Oklahoma, you're required to register all watercraft except for kayaks, canoes, and paddle boats.
No person less than 12 years of age may operate any vessel powered by a motor or combination of motors in excess of 10 HP, according to Oklahoma law.
Boats in Oklahoma are required to be titled, registered, and taxed within 30 days of ownership, per Service Oklahoma.