How much does box truck insurance cost in Hawaii? (2026)
Box Truck insurance pricing in Hawaii is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Hawaii. Below: the most-recent Hawaii filings affecting box truck operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Box Truck 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 box truck operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | HI | Overall -4.4% voluntary loss cost | Jan 1, 2026 | NCCI-134645871 |
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 — Box Truck insurance overview
Box truck insurance covers Class 4-6 commercial vehicles — straight trucks with enclosed cargo boxes, GVWR 14,001-26,000 lbs. The sweet spot for: last-mile delivery contractors (Amazon DSP, FedEx Ground delivery partners, parcel + freight), moving + storage operations, furniture delivery, food distribution. Most operators run under their own authority or as a contracted carrier for a major shipper — both need real commercial-auto coverage.
Typical pricing: $4,000-$8,000/year per truck for a typical operator with clean MVR + standard radius (Progressive Commercial, 2024). No CDL required at this class (under 26,001 lbs), but interstate operation 10,001+ lbs triggers FMCSA registration + MCS-90 filing.
National benchmark figures
Published cost ranges for Box Truck insurance — useful as a national baseline against which the Hawaii filings above signal local direction.
More Hawaii rate-filing detail
- All Hawaii commercial rate filings (every line, every recent filing) — the broader rate-data view for Hawaii
- 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 Hawaii quote for box truck
The data above shows the regulator-filed direction for Hawaii. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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