Commercial Auto Insurance Oklahoma

Commercial auto insurance is essential protection for any Oklahoma business that uses vehicles in its operations — whether that’s a single work truck or an entire fleet. From Oklahoma City to Tulsa and beyond, businesses face unique risks on the road every day. A well-designed commercial auto policy helps protect your business assets, cover costs after an accident, and keep you in compliance with Oklahoma law.

What Is Commercial Auto Insurance?

Commercial auto insurance is a specialized policy that protects vehicles owned, leased, or used by your business. Unlike personal auto insurance, these policies are designed for business use — whether you’re delivering goods in Edmond, transporting customers in Norman, driving to job sites, or using company vehicles for errands. Standard commercial auto insurance covers liability for injuries and property damage, and can be expanded with optional protections tailored to your risk profile.

Who Needs Commercial Auto Insurance in Oklahoma?

In Oklahoma, any business that owns or uses vehicles for work needs commercial auto insurance. This applies to a wide range of industries — from construction and landscaping to delivery services and professional service firms. Vehicles that spend significant time on the road for business tasks should be insured with a commercial policy, not a personal one.

State Minimum Insurance Requirements

Oklahoma law sets minimum liability limits that businesses must meet on commercial vehicles:

• $25,000 bodily injury liability per person

• $50,000 bodily injury liability per accident

• $25,000 property damage liability per accident

These limits help ensure that, if your business is at fault in an accident, injured parties and property owners have some protection. Many businesses choose higher limits for greater peace of mind and to protect their financial stability.

Optional Coverage for Broader Protection

Beyond state minimums, you can customize your policy with additional coverage options that help fill gaps and reduce risk:

• Collision and Comprehensive – Pay for repair or replacement after collision or non-collision damage (e.g., theft, weather events).

• Medical Payments (MedPay) – Helps cover medical costs for you and passengers after an accident.

• Uninsured/Underinsured Motorist – Protects your business if the at-fault driver lacks sufficient insurance.

• Hired and Non-Owned Auto Insurance (HNOA) – Covers vehicles not owned by your business but used for work.

Cities Across Oklahoma We Serve

Our agency proudly provides commercial auto insurance across Oklahoma, including but not limited to:

• Oklahoma City

• Tulsa

• Norman

• Broken Arrow

• Edmond

• Lawton

• Moore

• Midwest City

• Enid

• Stillwater

• Owasso

• Bartlesville

• Muskogee

• Shawnee

• Yukon

Whether you’re a one-truck operation or manage multiple vehicles across the state, we tailor coverage to your needs and local driving conditions

Why Having Commercial Auto Insurance in Oklahoma Matters

Having the right commercial auto insurance does more than protect your vehicles — it protects your business’s financial future. In the event of an accident, proper coverage can help cover medical bills, legal defenses, vehicle repairs, and claims against your company, minimizing disruptions and out-of-pocket costs.   

Cobble Insurance Agency, Inc. is a trusted Oklahoma based independent insurance agency.   Let us help!  405-759-3652

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