Insurance Agency Licensed in Oklahoma
Always Faithful Insurance Agency is licensed in Oklahoma (Lic. #3004120365, NPN #21686200). We are an independent, veteran-owned property and casualty agency based in Temecula, California, licensed in 21 states, and we work with Oklahoma clients by phone, email and fillable, signable applications, so nothing requires an office visit. Call 650-489-2592.
Coverage we write for Oklahoma clients
- Personal auto insurance: every driver and vehicle in the household, including teen drivers, tickets and lapses.
- Homeowners, condo, renters and landlord insurance.
- Commercial auto and fleet insurance, including hired and non-owned auto.
- Contractor general liability, workers' compensation and tools and equipment.
- Contractor license and surety bonds, plus umbrella and excess liability.
Oklahoma auto insurance requirements
25/50/25 (bodily injury per person / per accident / property damage); no change 2023-2026. PIP is not required; uninsured motorist coverage is optional but must be rejected in writing.
State minimums are a legal floor, not a recommendation. One serious accident can exceed them, so we quote higher limits side by side.
Workers' compensation in Oklahoma
Most Oklahoma employers with one or more employees must secure workers' compensation; exemptions include agricultural employers with under $100,000 in prior-year payroll, commissioned real estate agents, and employers with five or fewer employees all related to the owner. There is no separate construction threshold.
Applying? Download our Workers' Comp Supplemental Application.
Contractors in Oklahoma
No statewide general contractor license; the Oklahoma Construction Industries Board licenses electrical, mechanical and plumbing contractors and registers roofing contractors. Electrical and mechanical contractor licenses carry a $5,000 surety bond; there is no general contractor bond.
We write general liability, workers' comp, commercial auto and equipment coverage, issue certificates and additional insured endorsements, and place license and contract bonds. Start with the Contractor General Liability Supplemental.
Homeowners insurance in Oklahoma
A standard Oklahoma homeowners policy does not cover earthquake damage; that protection requires an endorsement or a separate earthquake policy.
Use the Homeowners Application or, for rentals, the Landlord / Rental Property Application.
How it works from Oklahoma
- Download the application for your coverage from our insurance forms page, or call 650-489-2592.
- Fill it out and sign it on your computer, tablet or phone, then email it back.
- We shop it with carriers that write in your state and send you the options side by side.
State requirements summarized from official Oklahoma sources as of October 2026. Requirements change; we confirm current rules for your situation before you buy.