Truck Insurance Built for Owner-Operators & Small Fleets
Commercial truck insurance is what keeps your authority active, your trucks on the road, and your loads protected. We compare 10+ trucking carriers in one quote — designed for owner-operators, new authorities, and fleets up to 25 units.
Get My Truck Insurance QuoteWhat does truck insurance cover?
Commercial truck insurance is a stack of coverages, not a single policy. The right combination depends on your authority type, who you haul for, and what your lender or lessor requires.
Primary Liability
Required by FMCSA. Pays for bodily injury and property damage you cause to others. Most for-hire trucks need $750,000–$1,000,000 minimum.
Physical Damage
Pays to repair or replace your truck and trailer after collision, theft, fire, or vandalism. Optional for owned units, often required by lenders and lessors.
Motor Truck Cargo
Covers the freight you're hauling. Limits typically $100,000–$250,000; brokers often require proof on file before tendering loads.
General Liability
Covers premises and operations claims that aren't tied to driving — slip-and-falls at your terminal, pollution from loading, etc.
Non-Trucking Liability (Bobtail)
Liability when the truck is operated for non-business use under a permanent lease. Required by most motor carriers.
Trailer Interchange
Physical damage coverage for trailers you pull under interchange agreements but don't own.
Full coverage breakdown on our coverages offered page.
Who needs commercial truck insurance?
- Owner-operators running under their own MC authority
- Drivers leased to a motor carrier (NTL / bobtail required)
- Small fleets (2–25 power units)
- Lease-purchase drivers responsible for their own physical damage
- Brokers and dispatchers operating trucks for spot moves
Coverage varies by what you drive — see our guides to truck insurance by vehicle type (semis, box trucks, hotshot, dump, flatbed, tow, and reefer).
How much does truck insurance cost?
The honest answer: it depends on six big factors, and the same trucker often sees a $5,000+ spread between carriers. Here's what drives the price:
- Years with active MC authority (new authorities pay 30–60% more)
- Driver MVR — moving violations and at-fault accidents
- Radius of operation: local, intermediate, long-haul
- Cargo type and value (hazmat, autos, refrigerated freight rate higher)
- Truck value, age, and configuration
- Garaging state, ZIP, and FMCSA loss history
Want to actually lower your rate? See our cheap truck insurance guide with 7 specific premium-reduction tactics.
FMCSA insurance requirements
Federal minimums depend on what you haul. For-hire general freight trucks need $750,000 in primary liability; household goods movers need $300,000; hazmat haulers need $1,000,000–$5,000,000 depending on commodity. Most shippers and brokers require $1,000,000 combined single limit regardless of federal floor.
We file the BMC-91 (or BMC-91X) directly with FMCSA at no extra charge.
How to get a truck insurance quote
One short application, 10+ carriers shopped, real licensed agents. Most owner-operator quotes come back within 1 business day — often the same day for clean profiles.
Start a free truck insurance quote →
Frequently asked questions
What is truck insurance?
Truck insurance is a package of commercial auto policies covering trucks operated under an MC/DOT authority. It includes primary liability (required), physical damage (often required by lenders), motor truck cargo, and several optional coverages.
How much does truck insurance cost?
For owner-operators with established authority, full coverage typically runs $9,000–$15,000 per year. New authorities pay $14,000–$22,000. Fleets are quoted per unit with multi-unit discounts.
Who needs commercial truck insurance?
Anyone operating a truck for hire under an MC number, anyone leased to a motor carrier (bobtail/NTL), and most lease-purchase drivers. Personal auto policies will not cover trucks used commercially.
What's the difference between truck insurance and commercial auto?
Truck insurance is a subset of commercial auto built specifically for Class 7–8 tractors and trailers operating under FMCSA authority. Commercial auto more broadly includes pickups, vans, and box trucks under 26,001 lbs.
What Truckers Are Saying
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Drop your DOT and a couple of details — we'll come back with real quotes from 15+ A-rated carriers, tailored to how you actually run.
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