Commercial Truck Insurance — Save Up to 20%
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1-833-505-2594Get Business Coverage connects trucking companies, owner-operators, and fleet owners with affordable commercial truck insurance. Whether you run a single truck or manage a fleet, we help you compare rates from carriers who specialize in trucking.
* Savings claims are based on industry averages when businesses compare multiple insurance quotes. Individual savings vary based on coverage, location, driving history, and other factors. We are not an insurance company or agent — we connect businesses with licensed insurance professionals.
Get Your Commercial Truck Insurance Quote in Minutes
Fast, affordable commercial truck insurance for trucking companies and owner-operators. Cover semis, box trucks, flatbeds, and more. Compare rates from carriers who understand trucking.
Why Choose Get Business Coverage?
- Compare commercial truck insurance plans online with no paperwork in just 5 minutes.
- Tailored coverage for trucking companies, owner-operators, and small fleets.
- Save on truck insurance with direct pricing from A-rated carriers.
- Coverage available for new authority and established operators nationwide.
On average, businesses that compare commercial truck insurance quotes save $2,000 - $5,000 per year. Savings vary based on fleet size, coverage, driving history, and state.
Comprehensive Coverage for Commercial Trucks
Protect your trucks and fleet with commercial truck insurance tailored to the trucking industry:
- Primary Liability: FMCSA-compliant coverage with $750K+ limits for interstate operations.
- Physical Damage: Collision, comprehensive, and specified perils for your trucks.
- Motor Truck Cargo: Protect the freight and loads you haul.
- Bobtail & Non-Trucking Liability: Coverage when driving without a trailer or off-duty.
- General Liability Bundle: Bundle GL with your truck policy for complete protection.
- Trailer Interchange: Coverage for trailers you don't own but are hauling.
Why Commercial Truck Insurance Matters
- Stay Compliant: Meet FMCSA and DOT insurance requirements for your authority.
- Protect Your Investment: Safeguard your trucks, cargo, and business assets.
- Win More Loads: Meet broker and shipper insurance requirements to haul more freight.
Who Needs Commercial Truck Insurance?
If your business operates any of these vehicles, you need commercial truck insurance:
- Trucking Companies: Fleets of any size — from 1 truck to 100+.
- Owner-Operators: Independent drivers leased to a carrier or running under their own authority.
- Freight Brokers: Contingent cargo and liability coverage for brokered loads.
- Hot Shot Trucking: Expedited delivery services using medium-duty trucks.
- Intermodal Carriers: Drayage and container hauling operations.
Frequently Asked Questions
Common concerns — answered by licensed insurance professionals
How much does commercial truck insurance cost?
Commercial truck insurance typically costs $8,000-$15,000/year per truck for experienced operators. New authority drivers may pay $12,000-$20,000/year. Factors include driving record, cargo type, operating radius, and authority age.
What insurance do I need for my trucking authority?
At minimum, you need primary liability ($750K for non-hazmat, $1M-$5M for hazmat), cargo insurance ($100K+), and a BMC-91 or BMC-91X filing with the FMCSA. Most operators also carry physical damage and bobtail coverage.
Can I get truck insurance with a bad driving record?
Yes. We work with carriers who specialize in high-risk trucking insurance. Rates will be higher, but coverage is available. A clean record for 3+ years typically qualifies you for standard rates.
How fast can I get covered?
Many carriers can bind coverage and issue your COI same-day. FMCSA filings typically process within 1-3 business days.
Save Money by Comparing Commercial Truck Insurance Quotes
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