How much does bobtail insurance cost in New Jersey? (2026)
Bobtail insurance pricing in New Jersey is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in New Jersey. Below: the most-recent New Jersey filings affecting bobtail operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Bobtail cost guide.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting bobtail operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | NJ | -4.3% overall rate decrease vs prior period | Jan 1, 2026 | NJCRIB-NJ-2026-CL-2510 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — Bobtail insurance overview
Bobtail insurance covers an owner-operator's semi-truck when it's being driven without a trailer attached — most commonly between loads when leased to a motor carrier. It's narrow, specialized, and often confused with the related Non-Trucking Liability (NTL) coverage, which fills the gap when you're driving the truck off-duty (personal errands, weekend trips). Most leased owner-operators carry BOTH bobtail + NTL together — the motor carrier's primary liability covers you only when you're under dispatch with a trailer.
Pricing is tight and predictable: typically $300-$800/year for bobtail alone, and $400-$1,200/year when bundled with NTL (Progressive Commercial 2024). Every number on this page traces to a named external publication. Use the calculator below for your range, then get a real quote in 5 minutes.
National benchmark figures
Published cost ranges for Bobtail insurance — useful as a national baseline against which the New Jersey filings above signal local direction.
More New Jersey rate-filing detail
- All New Jersey commercial rate filings (every line, every recent filing) — the broader rate-data view for New Jersey
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real New Jersey quote for bobtail
The data above shows the regulator-filed direction for New Jersey. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free New Jersey quote →