Truck Insurance by Vehicle Type
The coverages that protect a reefer aren't the ones a tow truck needs. Pick your vehicle type for a 2026 guide to the coverages that matter, typical costs, FMCSA requirements, and how to bind coverage for your operation.
Semi Trucks
Class 8 tractor-trailers · OTR & regional
From $12,000/yr
Box Trucks
Straight trucks · local & last-mile delivery
From $6,000/yr
Hotshot Trucks
1-ton duallys + gooseneck/flatbed trailers
From $7,000/yr
Dump Trucks
Aggregate, construction & debris hauling
From $8,000/yr
Flatbed Trucks
Open-deck · steel, lumber & machinery
From $11,000/yr
Tow Trucks
Wreckers · on-hook & garagekeepers exposure
From $7,000/yr
Reefer Trucks
Refrigerated · produce, frozen & pharma
From $13,000/yr