How much does trucking insurance cost?
Get a rough estimate in 30 seconds — then we'll pair it with a real quote from 15+ A-rated carriers.
Trusted by 100,000+ trucking professionals
What's your DOT number?
We auto-pull the rest from your FMCSA profile.
Don't know it? Try the FMCSA SAFER lookup.
The four things that move your rate
The same four levers drive nearly every commercial trucking quote. Knowing them is half the negotiation.
Equipment + age
Newer trucks aren't always cheaper. Class, GVWR, and what you haul drive your physical-damage rate as much as the model year.
Radius + lanes
Intrastate operators usually pay 20-30% less than long-haul. Underwriters care a lot about how far you actually drive on a typical day.
Drivers + MVRs
Three years of MVR history per driver. A single violation can shift your rate band; clean drivers across the board move you to the best tier.
Loss history
Five years of loss runs. Frequency matters more than severity — three minor claims hurt more than one large one with a clean follow-up year.
What carriers typically pay
These are wide ranges. Your specific rate depends on the four factors above — the calculator narrows it down.
$800–$1,400
per month, single truck, clean MVR, US-48
$650–$1,200
per truck per month, regional operation
$500–$950
per truck per month, established loss history
These are not quotes. Real numbers vary based on your operation, equipment, drivers, and loss history. Use the calculator above for an actual estimate.
The calculator is the starting line, not the finish.
Once you've got your estimate, we'll follow up with a real comparison — using the same details, prefilled.
Real loss-run review
Calculators don't know your specific loss history. Five years of data changes your rate band more than almost anything else.
Underwriter relationships
We know which carriers favor your operation type. The same risk gets very different quotes from different underwriters.
Dec page audit
Most carriers overpay because of how the policy is structured, not the underlying risk. We catch that during the follow-up.
10 Ways to Lower Your Trucking Insurance Premiums
Proven strategies that save fleet owners $2,000 – $5,000+ per year.
Enter your email and we'll send the guide straight to your inbox.
Get Your Free Guide
We'll email the PDF — no spam, ever.