Boat Insurance in Oklahoma

Boat insurance isn’t required by state law, but many marinas, lenders, and storage facilities require proof of coverage. Even if not mandatory, insurance is strongly recommended to protect your investment and liability.

Boat insurance typically costs between $200 and $600 per year in Oklahoma, depending on the boat type, horsepower, storage location, and coverage limits. Larger or faster boats may have higher premiums.

Yes. Comprehensive boat insurance covers storm, wind, hail, and tornado damage — crucial in Oklahoma’s weather-prone environment. Our team ensures you’re fully protected year-round.

Absolutely. Zoellner Insurance provides coverage for jet skis, Sea-Doos, WaveRunners, and other personal watercraft. Policies include liability, collision, and passenger injury coverage.

You need boat insurance if you finance or lease your boat, since lenders require proof of coverage to protect their investment until your loan is fully paid off. Many marinas, storage facilities, and docks in Oklahoma also require liability insurance before allowing you to store or operate your boat.

Even if it’s not legally required by the state, boat insurance is strongly recommended for every owner — whether you have a fishing boat, pontoon, jet ski, or sailboat. It protects you from costly repairs, medical expenses, or liability claims if an accident or storm occurs.

Zoellner Insurance helps Oklahoma boat owners find affordable, customized coverage so you’re protected both on and off the water — and meet any lender or marina insurance requirements.

Boat insurance premiums in Oklahoma vary based on several factors, including:

• 🚤 Type and size of the boat – Larger, faster, or high-performance boats typically cost more to insure.

• 🌊 Use and location – Operating on large lakes or rivers, or storing near coastal storm zones, can raise rates.

• 🧭 Boating experience and safety record – Safe drivers and those who complete boating safety courses often get discounts.

• 💸 Coverage limits and deductibles – Higher coverage amounts or lower deductibles increase premiums.

• 🧱 Storage and security – Boats stored in secure, covered facilities usually cost less to insure.

• 🏡 Bundling discounts – Combining your boat insurance with home or auto coverage through Zoellner Insurance can save up to 20%.

💡 Our agents shop multiple carriers to find the best rate based on your specific boat, usage, and coverage needs.

The type of insurance you need for your boat depends on how you use it, but most owners choose a boat or watercraft insurance policy that includes:

• Liability coverage – Pays for injury or property damage you cause to others while boating.

• Physical damage coverage – Protects your boat, motor, and trailer from theft, storms, or collisions.

• Uninsured boater coverage – Covers you if another boater without insurance causes damage or injury.

• Medical payments – Pays for medical bills for you and your passengers after an accident.

• Comprehensive coverage – Adds protection from non-collision events like fire, flooding, or vandalism.

Zoellner Insurance helps Oklahoma boaters choose the right policy for pontoons, fishing boats, sailboats, jet skis, and more — ensuring smooth sailing and complete peace of mind.