Is garage liability required for Oklahoma auto dealers?

Yes. The Oklahoma Motor Vehicle Commission (OMVC) requires licensed dealers to maintain garage liability insurance as a condition of their dealer license. Oklahoma dealers must also maintain a $25,000 surety bond. Garage liability is the appropriate policy type for dealer operations, covering the vehicle-related exposures that standard general liability excludes.

What is the OMVC and how does it affect dealer insurance?

The Oklahoma Motor Vehicle Commission (OMVC) is the state agency that licenses and regulates motor vehicle dealers, manufacturers, and distributors in Oklahoma. The OMVC requires dealers to carry garage liability insurance and post a $25,000 surety bond as conditions of licensure. Failure to maintain these requirements can result in license suspension or revocation.

What are Oklahoma's tow truck insurance minimums?

Oklahoma wrecker services regulated by the Oklahoma Department of Public Safety must maintain minimum liability coverage by wrecker class (per OAC 595:25-5-4). Class G/AA wreckers require $100,000 CSL, $50,000 garagekeepers, and $50,000 on-hook coverage. Class AA-TM requires $200,000 CSL, $100,000 garagekeepers, and $100,000 on-hook. Class AA-TL requires $300,000 CSL, $150,000 garagekeepers, and $150,000 on-hook (per OAC 595:25-5-4).

Is workers' compensation required for Oklahoma auto businesses?

Yes. Oklahoma requires workers' compensation for all employers with one or more employees — one of the broadest requirements in the country. Auto dealers, repair shops, and towing companies with any employees must carry workers' comp. Sole proprietors and partners may be able to exclude themselves.

What is garagekeepers insurance and do Oklahoma shops need it?

Garagekeepers insurance covers customer vehicles in your care, custody, or control — while being repaired, serviced, or stored. Any Oklahoma repair shop or dealership that takes possession of customer vehicles should carry this coverage. It is separate from garage liability and covers the customer's vehicle itself, not just third-party bodily injury or property damage.

Can I get a same-day certificate of insurance in Oklahoma?

Yes. As an Oklahoma-licensed independent agency specializing in garage liability, we can typically issue certificates of insurance same-day or next business day for most automotive businesses in Oklahoma.

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Licensed in Oklahoma · OK

Garage Liability Insurance in Oklahoma for Auto Dealers & Repair Shops

OMVC-Compliant Coverage for Dealers, Repair Shops & Towing Companies

Looking for Oklahoma garage liability insurance for your auto dealer, repair shop, or towing company? Oklahoma's automotive market — from Oklahoma City dealerships and Tulsa repair shops to independent towing operators — requires specialized coverage that standard general liability cannot provide. The Oklahoma Motor Vehicle Commission (OMVC) requires a $25,000 surety bond and garage liability insurance for all licensed dealers. We specialize in Oklahoma garage liability insurance for auto dealers and can get you covered same-day.

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Licensing Body

Oklahoma Motor Vehicle Commission (OMVC)

Dealer Bond

OK dealers must maintain a $25,000 surety bond

At-Fault State

Oklahoma is a modified comparative fault state

Tow Regs

OK Corporation Commission regulates towing

Workers' Comp

Required for businesses with 1+ employees

Coverage Programs

Complete Oklahoma Automotive Insurance

We build complete insurance programs for Oklahoma automotive businesses — not just a single policy. Every coverage your dealership, repair shop, or towing company needs, from one independent agency with access to 100+ A-rated carriers.

Garage Liability (premises & operations)

Garagekeepers Legal Liability

Dealers Open Lot (inventory physical damage)

Commercial Auto for dealer plates & tow trucks

Workers' Compensation (required for 1+ employees in OK)

Dealers E&O (errors & omissions)

Dealer Surety Bond ($50,000 required)

Commercial Property

Umbrella / Excess Liability

Cyber Liability

Instant Quote

Fast quote assistance through our network of 100+ A-rated carriers. Agents focused on Oklahoma garage liability.

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Licensed in OK

Ellie Insurance Group is licensed in Oklahoma and focuses on garage liability insurance for OK automotive businesses. We have access to 100+ A-rated carriers and compare eligible markets for suitable coverage and competitive pricing for your Oklahoma operation.

State Requirements

Oklahoma Tow Truck Insurance Requirements

Oklahoma wrecker services are regulated by the Oklahoma Department of Public Safety under OAC 595:25-5-4. Insurance minimums are set by wrecker class — not vehicle weight. All classes also require Garagekeepers Legal Liability (matching on-hook amounts) and $2,500 Bailee Coverage for vehicle contents. Non-consent towing (police-directed tows) has additional requirements through the Oklahoma Corporation Commission. Oklahoma's severe weather makes physical damage coverage especially important.

Vehicle Type	Minimum Liability	On-Hook / Cargo Min.
Class G General / Class AA	$100,000 combined single limit per occurrence	$50,000 on-hook/in-tow per occurrence
Class AA-TM (Medium)	$200,000 combined single limit per occurrence	$100,000 on-hook/in-tow per occurrence
Class AA-TL (Large)	$300,000 combined single limit per occurrence	$150,000 on-hook/in-tow per occurrence

* State minimums are the legal floor — not the recommended coverage level. Work with a licensed agent to determine appropriate limits for your operation.

Who We Cover

Oklahoma Automotive Businesses We Insure

OK New Car Dealerships

OK Used Car Dealers

OK Auto Repair Shops

OK Body Shops

OK Tow Truck Companies

OK RV Dealerships

OK Motorcycle Dealers

OK Tire Shops

OK Oil Change Shops

OK Impound Lots

OK Powersports Dealers

Oklahoma Cities We Serve

Oklahoma City Tulsa

Local Market

The Oklahoma Automotive Insurance Market

Oklahoma is home to approximately 2,200 licensed motor vehicle dealers, with the Oklahoma City metro area (Oklahoma, Cleveland, Canadian, and Logan counties) and the Tulsa metro area (Tulsa, Wagoner, Rogers, and Osage counties) accounting for the majority of dealer activity. The Oklahoma Motor Vehicle Commission (OMVC) licenses dealers and requires both garage liability insurance and a $25,000 surety bond as conditions of licensure — a bond requirement that is higher than many neighboring states. Oklahoma is a modified comparative fault state, meaning a plaintiff can recover damages as long as they are less than 51% at fault — the at-fault driver's liability coverage responds first. Oklahoma's severe weather environment is a critical insurance consideration: the state sits in the heart of Tornado Alley, and hailstorms cause significant vehicle damage to outdoor dealer inventory every year. Dealers Open Lot (DOL) coverage — which covers physical damage to dealer inventory — is especially important in Oklahoma given the frequency and severity of hail events. The Oklahoma City area has seen significant growth in independent used car dealers along the Northwest Expressway and I-240 corridors. Tulsa's automotive market is concentrated along the 41st Street and Memorial Drive corridors in South Tulsa. Workers' compensation is required for all Oklahoma employers with one or more employees, making it a mandatory compliance item for any shop or dealership with staff.

Common Questions