Semi Truck Insurance

Semi truck insurance provides the specialized coverage that over-the-road and regional tractor-trailer operators need. From primary liability to physical damage and cargo coverage, We work with 15+ trucking carriers to find competitive semi truck rates for both new and experienced drivers.

Coverages we place

• Primary liability (FMCSA-required limits)
• Physical damage for tractor and trailer
• Motor truck cargo insurance
• Bobtail and non-trucking liability
• Roadside assistance and towing coverage
• Rental reimbursement during repairs

Who needs this coverage

Owner-operators, small carriers, and fleet operators running class 7 and class 8 semi-trucks — whether regional, OTR, or dedicated routes.

What drives your premium

• Driver CDL experience and MVR
• Equipment value and age
• Cargo type
• Operating radius and states
• Authority age

Common exclusions

• DUI and criminal acts
• Non-CDL drivers
• Unauthorized use
• Mechanical breakdown

Frequently asked questions

What insurance do I need for a semi truck?

At minimum: primary liability ($750K–$1M), physical damage, cargo insurance, and bobtail/NTL if you're an owner-operator. Most carriers and brokers require $1M in liability regardless of FMCSA minimums.

Can new CDL drivers get semi truck insurance?

Yes, but with limited carrier options and higher rates. We specialize in placing new drivers and new venture carriers. Most carriers require at least 1–2 years of CDL experience for the best rates.

Related coverage

• Trucking Insurance
• Owner-Operator Insurance
• Fleet Insurance
• Commercial Umbrella

Get a free quote or call (321) 206-8035.