Trucking Insurance — Coverage Built for the Road
Trucking insurance is specialized commercial coverage designed for motor carriers operating under FMCSA authority. Whether you run a single truck or a large fleet, we provide comprehensive trucking coverage that meets federal and state requirements while keeping your rates competitive.
Coverages we place
- Primary liability ($750K–$1M+ required by FMCSA depending on cargo)
- Physical damage (collision and comprehensive for tractors and trailers)
- Motor truck cargo insurance (protects goods you're hauling)
- Bobtail / non-trucking liability (when driving without a trailer)
- Trailer interchange coverage
- General liability for trucking operations
Who needs this coverage
Any motor carrier with FMCSA operating authority — whether you're an owner-operator, small fleet, or large carrier. If you have a DOT number and MC number, you need specialized trucking insurance, not standard commercial auto.
What drives your premium
- Years of authority (new ventures pay more)
- Driving record and CDL experience
- Equipment type, age, and value
- Cargo type (hazmat costs more)
- Operating radius (local vs. long-haul)
- Number of units and drivers
Common exclusions
- Intentional damage or criminal acts
- Driving under the influence
- Unauthorized drivers
- Wear and tear / mechanical breakdown
- Nuclear, war, and terrorism (some policies)
What we need to quote your trucking operation
Our quote request asks for the details trucking underwriters review. Having them ready speeds up the first conversation; if you are missing something, our team follows up before any quote is presented.
- Type of cargo hauled and a short description of your operation
- Operating radius and the states where you run
- Years in business
- Number of CDL drivers, their average CDL experience, and any violations or accidents in the last 3 years
- Claims history for the past 3 years and the liability limit you need
- USDOT and MC numbers if you have them — our team collects them during follow-up
Frequently asked questions
How much does trucking insurance cost per truck ?
New venture truckers typically pay $12,000–$20,000+ per truck per year. Experienced carriers with 2+ years of clean authority can pay $8,000–$14,000. We shop 15+ trucking carriers to find the best rate for your operation.
Can I get trucking insurance with a new authority?
Yes. We specialize in new venture trucking. While rates are higher for new authorities, we work with carriers that specifically accept new ventures and help you build a coverage history.
What liability limits does FMCSA require?
For many interstate for-hire property carriers hauling general, non-hazardous freight in vehicles of 10,001 lbs or more, the federal minimum is generally $750,000. Hazardous materials, certain commodities and passenger operations carry higher federal minimums (commonly $1,000,000 to $5,000,000). Separately, many brokers, shippers and contracts require $1,000,000 of auto liability regardless of commodity. Requirements vary by operation, weight, commodity, state and contract.
What's the difference between trucking insurance and commercial auto?
Trucking insurance is specifically designed for motor carriers with FMCSA authority and includes coverages like cargo, bobtail, and trailer interchange that standard commercial auto doesn't offer. If you have a DOT number, you need trucking insurance.
Related coverage
- Owner-Operator Insurance
- Fleet Insurance
- Hot Shot Trucking Insurance
- Box Truck Freight Insurance
- Cargo Van Freight Insurance
- Commercial Auto
- Workers' Compensation
Get a free quote or call (321) 206-8035.