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Chubb
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Bowhead

Trucking Insurance — Compare Quotes for Your Fleet

Comprehensive trucking and commercial transportation insurance. Compare rates from carriers that specialize in the trucking industry.

Reviewed by John Abbott, licensed P&C insurance producer (MO license #3003876211)

FMCSA Compliant

All policies meet federal minimum requirements with BMC-91 filings handled by our carrier partners.

Owner-Operators & Fleets

Whether you have one truck or fifty, we connect you with carriers that specialize in your operation size.

Cargo Specialists

Coverage for general freight, refrigerated goods, flatbed loads, hazmat, and specialty commodities.

Quick Authority Setup

New authority? We help new carriers meet insurance requirements so you can start hauling faster.

Google Reviews5.0 ★★★★★Average Customer Rating
MA

“They made insurance weirdly painless. Lightning-fast, clear explanations, and pricing that gave me real confidence I wasn't overpaying.”

Mike Altier ★★★★★

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What Is Trucking Insurance?

Trucking insurance covers the unique risks faced by commercial truck operators — from owner-operators with a single rig to large fleets hauling freight across the country. Federal and state regulations mandate minimum coverage levels for all commercial motor carriers.

Types of Trucking Insurance

Coverage What It Covers Required?
Primary Liability Bodily injury & property damage to others Yes — FMCSA requires $750K–$5M
Physical Damage Damage to your own truck (collision + comprehensive) Required by lenders
Cargo Insurance Freight you're hauling — theft, damage, spoilage Yes — $100K minimum for most commodities
Bobtail / Non-Trucking Liability when driving without a trailer Depends on carrier contract
General Liability Slip-and-fall at your office, terminal, or yard Recommended
Workers' Compensation Employee injuries Required in most states
Trailer Interchange Damage to trailers you don't own but are pulling When using interchange agreements
Motor Truck Cargo Broader cargo coverage including loading/unloading For-hire carriers

How Much Does Trucking Insurance Cost?

Operation Type Average Annual Cost per Truck
Owner-Operator (local) $8,000–$12,000
Owner-Operator (OTR) $12,000–$18,000
Small Fleet (2–10 trucks) $9,000–$15,000 per truck
Large Fleet (10+ trucks) $7,000–$12,000 per truck

Key cost factors include driving records, cargo type (hazmat costs 2–3x more), radius of operations, years in business (new authorities pay more), and equipment age.

FMCSA Insurance Requirements

The Federal Motor Carrier Safety Administration requires:

  • $750,000 minimum liability for general freight
  • $1,000,000 minimum for oil transport
  • $5,000,000 minimum for hazardous materials
  • BMC-91 (insurance filing) or BMC-82 (surety bond) filed with FMCSA
  • Cargo insurance minimums vary by commodity type

Tips for Reducing Trucking Insurance Costs

  1. Maintain clean CSA scores — Safety violations dramatically increase premiums
  2. Install telematics/dash cams — Some carriers offer 5–15% discounts
  3. Build experience — Rates drop significantly after 2–3 years of operating authority
  4. Choose your commodities wisely — Hauling general freight costs far less to insure than hazmat
  5. Compare annually — Don't auto-renew without getting competitive quotes

Frequently Asked Questions

Trucking insurance typically costs $8,000–$18,000 per year per truck, depending on operation type, driving record, cargo, and radius. Owner-operators running OTR pay the most, while established fleets with clean records get the best rates.
At minimum, you need primary liability insurance ($750K+ per FMCSA), cargo insurance, and physical damage coverage if your truck is financed. Most operators also need bobtail/non-trucking liability, workers' comp (if you have employees), and general liability for your business operations.
Commercial trucks cause significantly more damage in accidents than passenger vehicles due to their size and weight. The nuclear verdict trend (jury awards over $10M) has driven up liability costs industry-wide. New authorities pay more because they lack a proven safety record.
Bobtail (or non-trucking liability) insurance covers your truck when you're driving without a trailer — for example, driving home after dropping a load or running personal errands. Your primary liability policy typically only covers you when you're under dispatch.
Yes, but expect to pay 20–40% more than established carriers. Some insurers specialize in new authorities. After 1–2 years of clean operations, you can shop for significantly better rates.