Is Boat Insurance Required in Oklahoma?

Last Updated on October 16, 2022

If you’re a boat owner in Oklahoma, you may be wondering if you need to get insurance for your vessel. The answer is that it depends on several factors. First, let’s take a look at the state laws regarding boat insurance.

According to the Oklahoma Boat Act, all boats must be insured if they’re used for “rental or commercial purposes.” This includes charter boats, party boats, and any other type of vessel that carries paying passengers. So, if you own a boat that you use for business purposes, you’ll need to have insurance.

If you’re a boat owner in Oklahoma, you may be wondering if you’re required to have insurance. The answer is yes, all boats must be insured in Oklahoma. This includes any vessel that is propelled by machinery, wind, or water, and is used for recreational purposes.

What is Required to Have on a Boat Oklahoma?

In Oklahoma, boats are required to have certain safety equipment on board at all times. This includes items like life jackets, flares, and a fire extinguisher. Boaters should also have a registration sticker displayed prominently on their vessel.

What Happens If You Dont Have Boat Insurance?

If you don’t have boat insurance and you get into an accident, you will be responsible for paying for the damages yourself. This can be incredibly expensive, especially if someone is injured. If you are found at fault in an accident, your boat could also be seized by the other party’s insurance company.

Not having boat insurance is a risky proposition and it’s not worth the savings in premiums to go without it.

Do You Need Insurance for a Small Boat?

No, you don’t need insurance for a small boat. However, it is a good idea to have some kind of insurance in case of an accident or theft. The amount of coverage you need will depend on the value of your boat and how much risk you are willing to take.

Do All Boats Need to Be Registered in Oklahoma?

No, all boats do not need to be registered in Oklahoma. Boats that are used only on private property and not used for public recreation do not need to be registered. Additionally, canoes, kayaks, rowing shells and sailboards 14 feet and shorter also do not need to be registered in the state of Oklahoma.

Top 10 Boat Insurance in Oklahoma City, OK

How Much is Boat Insurance in Oklahoma

If you’re a boat owner in Oklahoma, you’re required by law to have insurance. But how much does boat insurance cost? The average cost of boat insurance in Oklahoma is $365 per year.

However, your premium will depend on several factors, including the type of boat you have, its value, where you keep it moored, and your personal risk profile. For example, insuring a high-value yacht will cost more than insuring a small fishing boat. And if you live in an area with a high risk of severe weather (like tornadoes), your premiums will be higher than if you lived in a low-risk area.

To get an accurate quote for your situation, contact an insurance agent or company that specializes in insuring boats in Oklahoma.

Oklahoma Boat Registration

Oklahoma requires all motorized boats to be registered with the state. This includes sailboats, canoes, and kayaks that are powered by a trolling motor or outboard motor. The registration process is simple and can be done online or through the mail.

Once you have registered your boat, you will receive a decal that must be affixed to the vessel in a visible location. There are several benefits to registering your boat in Oklahoma. First, it provides a way for law enforcement to identify your boat if it is ever lost or stolen.

Second, if you are involved in an accident on the water, having your boat registered can help insurance companies determine who is at fault. Finally, registering your boat shows that you are a responsible boater who is taking steps to comply with state laws. The cost of registering your boat in Oklahoma varies depending on the length of the vessel.

For boats 16 feet long or less, the fee is $19. For boats between 16 and 20 feet long, the fee is $39. And for boats 21 feet long or longer, the fee is $69.

There is also a one-time processing fee of $5 for all registrations .

Boating Accessories

There are many different types of boating accessories that can be used to enhance your experience on the water. Some of these accessories are designed for safety, while others are meant to improve the performance of your vessel. No matter what your purpose is for buying boating accessories, there are a few things you should keep in mind before making your purchase.

One of the most important things to consider when purchasing boating accessories is compatibility. You’ll need to make sure that the accessory you’re interested in is compatible with the make and model of your boat. Additionally, some accessories may require additional hardware or installation in order to work properly.

It’s always a good idea to consult with a professional before making any major changes or additions to your boat. Safety is another important factor to consider when shopping for boating accessories. There are a number of products on the market that can help improve the safety of your vessel, such as fire extinguishers, flares, and life jackets.

If you’re planning on doing any serious fishing or boating in remote areas, it’s also a good idea to invest in a satellite phone or two-way radio. These devices can be invaluable if you run into trouble while out on the water. Finally, you’ll want to think about how often you’ll be using the accessory you’re interested in before making your purchase.

If you only plan on using it occasionally, there’s no need to spend a lot of money on something that will see little use. However, if you anticipate using it frequently, it’s worth investing in a higher-quality product that will stand up to regular wear and tear.

Boat Stores

There are many different types of boat stores. Some sell new boats, some sell used boats, and some sell both. Some boat stores specialize in a certain type of boat, such as sailboats or fishing boats.

Other boat stores carry a variety of different types of boats. When shopping for a boat, it is important to know what you are looking for and what your budget is. It is also helpful to ask around and get recommendations from friends or family who have purchased boats before.

Once you have an idea of what you want, start doing some research online or in boating magazines to get an idea of what kind of boat will best suit your needs. Once you have found a few potential boats that you like, it is time to visit a few different boat stores to take a look at them in person. This will allow you to get a feel for the quality of the craftsmanship and see if the price is right for you.

If possible, take the time to test drive the boat before making your final decision. Purchasing a boat can be a big investment, but it can also be a lot of fun! With a little bit of research and planning, you are sure to find the perfect vessel for your needs at one of the many great boat stores out there.


In Oklahoma, boat insurance is not required by law. However, if you have a loan on your boat, your lender will likely require you to have insurance. Even if you don’t have a loan, it’s still a good idea to insure your boat.

Accidents happen, and boats are expensive to repair or replace.