Best General Liability Insurance in Oklahoma (2025)

MoneyGeek considered factors such as affordability, customer satisfaction and the time it takes to get online quotes to determine the best general liability insurance companies in Oklahoma. Thimble takes the top spot, charging an average of $63 per month for LLCs with 20 employees and an average of $22 per month for sole proprietors with no employees.

Overall, Next provides the most affordable general liability insurance in Oklahoma. It charges an average of $26 per month for LLCs with 20 employees and an average of $25 per month for sole proprietors with no employees.

MoneyGeek has selected Thimble as the best general liability insurance company in Oklahoma, giving it a score of 87 out of 100. The corresponding table highlights the rankings and monthly costs of all the companies we analyzed.

Next provides the cheapest general liability insurance in Oklahoma. LLCs with 20 employees can expect to pay an average of $26 per month, whereas the average cost for sole proprietors with no employees is $25 per month.

We ranked insurance companies based on affordability scores that combined their monthly costs for LLCs and sole proprietors. Therefore, the company that is the cheapest overall might not offer the most affordable policies for both LLCs and sole proprietors.

Next came out on top as the best general liability insurance company in Oklahoma for employers, receiving a MoneyGeek score of 91 out of 100. A policy from this company costs an average of $26 per month.

Rankings for this category are based on an analysis of average monthly costs for LLCs with 20 employees. The number of people your business employs affects how much you'll pay for general liability insurance. For example, you’ll typically pay less than the average cost if you have fewer than 20 employees, and your rate is likely to be higher if you have more than 20 employees.

MoneyGeek found that Thimble is the best general liability insurance company for sole proprietors in Oklahoma. It earned a MoneyGeek score of 95 out of 100 and charges an average of $22 per month.

Our analysis is based on the average costs for sole properties with no employees. You can expect to pay more than the average if you work in a high-risk industry such as construction, forestry or transportation.

It is not mandatory for business owners in Oklahoma to get general liability insurance. However, you may consider purchasing a policy because it can protect your business from financial loss that may result from liability claims related to third-party injuries, third-party property damage and advertising injuries. In addition, getting this type of business insurance might be necessary to obtain specific licenses or win contracts in some industries.

If your business has one or more employees, Oklahoma state law requires that you get workers’ compensation insurance. If your business has company-owned vehicles, you also need to get commercial auto insurance with the following minimum limits:

• $25,000 per person
• $50,000 per accident for bodily injury
• $25,000 for property damage

It costs an average of $48 per month to get general liability insurance in Oklahoma for an LLC with 20 employees. The cost changes to $27 per month for sole proprietors with no employees.

These averages are indicative of policies with a $2 million aggregate limit, a $1 million occurrence limit and a $0 deductible.

While the aggregate limit highlights the maximum amount an insurer may pay to cover claims during a policy’s tenure, the occurrence limit refers to the maximum amount an insurance company may pay per claim. The deductible refers to the out-of-pocket expense you need to make before the insurance takes effect.

The amount you'll pay for general liability insurance for your business varies based on multiple factors:

MoneyGeek answered some commonly asked questions about general liability insurance in Oklahoma to help you as you compare your options.