Get Commercial Truck Insurance Quotes
One short application, shopped across our carrier partners.Fill out one short application and we shop your truck insurance quote across our carrier partners. A licensed agent then walks you through the options.
- One application, many carriersOne application, shopped across our carrier partners
- Pre-filled from your DOTCompany details pre-filled from FMCSA public records
- Free, no obligationFree quotes with no obligation. You only pay if you bind.
Prefer to talk? Call (864) 883-9477 · Monday - Friday: 8:30am - 5pm EST
Which best describes you?
Quick answers, better matches
Trusted by leading carriers
Trucker Path Insurance is a licensed insurance agency. See the states we serve
How Getting a Commercial Truck Insurance Quote Works
Business truck insurance quotes should not mean calling carriers one by one. You start one commercial truck insurance online quote request, and we do the shopping.
- 1
Tell us about your operation.
Start one online application. Enter your DOT number and we can pre-fill your company details from FMCSA public records, so there is less to type.
- 2
We shop carriers that fit.
An agent sends your details to the carriers that write your kind of operation.
- 3
Review quotes with a licensed agent.
Your agent goes over each option with you, so you know what you are buying before you sign.
- 4
Bind and get proof of insurance.
You sign, we bind the policy, and your filings and certificates follow. See what happens after you bind
What You Need for a Truck Insurance Quote
The online form only asks for the basics. Your agent will ask for the rest, so having these ready makes your quote faster and more accurate.
Everyone
- DOT and MC numbers
- How many trucks you run
- Driver license number and date of birth for each driver
- Truck year, make, model and VIN
- Garaging state (where the truck is kept)
- Cargo you haul and its average value per load
- Radius of operation
Own authority
For motor carrier insurance quotes under your own authority, also have:
- Loss runs from your prior carriers
- Any broker or shipper contracts that set required limits
Leased to a carrier
Also have:
- The name of the motor carrier you are leased to
- Your lease agreement
- Which coverages the motor carrier already provides
New authority
You do not need a DOT number to start. Have:
- Your garaging state
- What you plan to haul and how far you plan to run
- Driver license details for each driver
Fleet
For trucking company insurance quotes, also have:
- A list of every driver
- A list of every truck and trailer, with VINs
- Loss runs from your prior carriers
- Details of any camera or telematics program you run
Get these right to avoid price changes later
Your exact premium depends on full underwriting: loss runs, driver records, coverage limits and carrier appetite. These mistakes are the usual reason a price changes before binding:
- Radius set lower than you really run.
- Cargo value set lower than your average load.
- Drivers left off the application.
- Old or missing loss runs.
A clean MVR and a strong CSA score work in your favor. Want a rough number first? Try the Instant Rate Estimator.
Have your details? Start your quote.
Missing something? Start anyway. An agent will help fill the gaps.
Prefer to talk? Call (864) 883-9477 · Monday - Friday: 8:30am - 5pm EST
Coverages to Include in Your Quote
Ask for everything you need the first time, so the quotes you compare are complete. A commercial truck liability insurance quote is the base. Most brokers and shippers also want proof of cargo coverage, so ask for a motor truck cargo insurance quote too.
Needed to operate
- Primary liability. Required by federal and state law for commercial motor carriers.
- Federal and state filings. Needed when you run for hire under your own authority.
Often required by brokers, shippers or lenders
- Motor truck cargo. Most brokers and shippers want proof of cargo insurance before they contract with you.
- Physical damage. Often required by lenders and lessors when your truck is financed or leased.
- Trailer interchange. Required for most trailer interchange agreements.
- General liability. Add it if you have a physical business location.
Depends on how you run
- Non-trucking liability (bobtail). For leased owner-operators, to cover you off dispatch.
- Reefer breakdown. Add it to cargo if you haul refrigerated loads.
See full details on every coverage
Why Truck Insurance Quotes Differ Between Carriers
Each carrier picks the risks it wants to write. In insurance that is called appetite. There is no single cheapest carrier. Different carriers win on different driver profiles, and the same truck can get a good price from one carrier and a decline from another.
Rates and approvals come down to things like:
- Radius of operation
- Cargo
- MC age
- Driving records
- Garaging state
When you compare truck insurance on your own, you only see the carriers you call. As a broker, we send your details to the carriers that fit, so one application gets you more real options.
Talk to our licensed experts
A licensed agent shops your application with carriers that fit, then walks you through every option.
Meet all our licensed experts
How to Compare Truck Insurance Quotes
The lowest price is not the best quote if it leaves out what you need. Line up each quote against this checklist before you pick one.
| Check | What to look for |
|---|---|
| Liability limit | Meets what your authority and your contracts require. |
| Deductibles | What you pay on a physical damage or cargo claim. |
| Cargo limit and exclusions | Covers what you haul. Some policies exclude certain goods. |
| Reefer breakdown | Included if you haul refrigerated loads. |
| Radius | Matches where you actually run. |
| Drivers | Every driver who will drive is listed. |
| Trailer interchange | Included if you pull trailers you do not own under an interchange agreement. |
| Down payment and installments | What you pay up front and what you pay after that. |
| Filings | The carrier will file proof of insurance with FMCSA for you. |
| Carrier financial strength | The carrier's rating from a rating agency such as AM Best. |
Want an agent to compare your quotes?
Free comparison, no commitment.
Prefer to talk? Call (864) 883-9477 · Monday - Friday: 8:30am - 5pm EST
From Quote to Coverage: What Happens Next
- 1
Accept the quote and e-sign the application.
- 2
Make your first payment to put the policy in force.
- 3
Your filings are made. The insurance company files your BMC-91 or BMC-91X with FMCSA, along with any state filings you need.
- 4
You get your certificate of insurance (COI) to send to brokers and shippers. We can send it to everyone on your list.
New authority? Here is the order
FMCSA does not grant your operating authority until your insurance filing and your BOC-3 are on file and the protest period has ended. The filing can be made any time after you get your docket number.
- Apply for authority
- Get your quote
- Bind the policy
- The insurance filing is made
- Your authority can go active
What Truckers Are Saying
"If you are in search of a customer oriented insurance agency with reliable professionals you have found the place. When we ventured out to find an insurance company to cover our startup trucking services they delivered! Fast response times, always go..."
"We really appreciate the wonderful service you and your team have provided since day 1. I will continue to refer you guys to all my trucking friends. Great job team."
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"I just wanted to brag on Sarah and Frances for the awesome customer service I received and not only that, but they were also able to provide a decent quote for me. We are officially insured through Trucker Path Insurance. You have a great team Daniel..."
"I love you guys. You don't have to worry about me going anywhere - you all are fantastic! I love working with you and will tell anyone asking to come to you for insurance. He's up for renewal in September and said we have nothing to worry about with ..."
"Thanks for your help in always trying to find out and get to the issue I really do appreciate your efforts Frances in making sure that our company policy is in good standing."
"Sarah, thank you for your diligent work ethic it's greatly appreciated! With your help I got it done. Now I'm officially certified - thanks for helping me during this process."
Truck Insurance Quote FAQs
Ready to start your quote?
Drop your DOT and a couple of details. A licensed agent will come back with real quotes, tailored to how you actually run.
Looking for something else?
Want a rough price first?
Get a ballpark estimate →
Policy renews soon?
Get a renewal quote →
Changing carriers?
See how switching works →
Insuring a specific truck type?
Insurance by vehicle →
Want your state's rules?
Insurance by state →
Run several trucks?
Fleet insurance →
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Coverages we offer →
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