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Get an accurate commercial truck insurance estimate in under 2 minutes. From owner-operators to multi-vehicle fleets — we cover semi trucks, dump trucks, flatbeds, tankers, and more.

✓No obligation estimate
✓All cargo types covered
✓DOT & FMCSA compliant
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Fleet Information
Operations
Coverage Needs
Cargo
Physical Damage
Uninsured
Breakdown
Estimated Annual Premium
$14,200
per truck / per year
Range: $11,800 – $17,600
Risk Score
B+
Good standing
Primary liability—
Cargo coverage—
Physical damage—
Other coverage—
Total fleet (all trucks)—

Coverage Included

🛡️
Primary Auto Liability
Covers bodily injury & property damage to others. Required by FMCSA for interstate carriers.
📦
Motor Truck Cargo
Covers the freight you're hauling if damaged or stolen. Limits from $100K–$250K+.
🔧
Physical Damage
Collision & comprehensive for your truck itself. Required by most lenders/leasors.
⚖️
General Liability
Covers non-trucking incidents, loading/unloading, and premises liability.

💡 Ways to Lower Your Premium

✓Bundle multiple trucks — fleets of 5+ typically save 12–22%
✓Install ELD + dashcam — insurers discount 5–15% for telematics
✓Hire drivers with 5+ years CDL experience — major risk reduction
✓Raise your deductible from $1K to $2.5K — saves ~8–12%
✓Maintain clean DAC & MVR records — most impact on your rate
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Top Commercial Truck Insurance Carriers

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Progressive Commercial
Best for owner-operators
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Great West Casualty
Best for OTR long-haul
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Sentry Insurance
Best for medium fleets
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Protective Insurance
Best for large fleets
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Truck Insurance Guide

Commercial Truck Insurance — Frequently Asked Questions

Everything owner-operators and fleet managers need to know about commercial trucking insurance costs and coverage.

How much does commercial truck insurance cost?

Commercial truck insurance typically costs between $8,000 and $20,000 per year per truck. Semis and tankers run higher; box trucks and pickups run lower. Key factors include cargo type, operating radius, driver experience, and claims history.

What is the FMCSA minimum liability for trucks?

The Federal Motor Carrier Safety Administration (FMCSA) requires a minimum of $750,000 in primary liability for most interstate commercial carriers. Hazmat carriers may need up to $5,000,000. The industry standard recommended coverage is $1,000,000.

What coverages do owner-operators need?

Owner-operators typically need Primary Auto Liability (federally required), Motor Truck Cargo insurance, Physical Damage coverage for the truck itself, and sometimes Non-Trucking Liability for personal use. General Liability covers loading/unloading and premises incidents.

How can I lower my truck insurance premium?

The biggest savings come from hiring experienced CDL drivers (5+ years), installing ELD devices and dashcams (5–15% discount), bundling fleets of 5+ trucks (12–22% off), maintaining clean DAC & MVR records, and raising your deductible to $2,500.

Does cargo type affect my insurance rate?

Yes, significantly. Hazardous materials carriers pay up to 2x the base rate. Auto transport and liquid tankers also carry higher premiums. General freight and empty-mile operations are the least expensive cargo classifications for commercial truck insurance.

What is Motor Truck Cargo insurance?

Motor Truck Cargo insurance covers the freight you're hauling if it's damaged, lost, or stolen during transit. Coverage limits typically range from $100,000 to $250,000 or more. Most shippers and brokers require it before assigning loads.