How much does commercial truck insurance cost in New Jersey? (2026)
Commercial Truck 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 commercial truck operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Commercial 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 commercial truck 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 — Commercial Truck insurance overview
Commercial truck insurance is the umbrella category covering any vehicle used for business carriage of goods or people. The category spans an enormous range: a $25K pickup used for parts delivery, a $50K box truck, a $90K dump truck, a $120K semi-truck tractor. Pricing reflects that range: typically $2,000-$3,500/year for light-duty pickup commercial use, $4,000-$8,000/year for medium-duty (Class 4-6 box trucks), and $9,000-$15,000/year for heavy-duty (Class 7-8 tractors) per Progressive Commercial 2024 data.
This page is the category hub. For deep dives by vehicle type, see: Bobtail Insurance (between-loads gap for leased operators), Semi-Truck Insurance (full primary for Class 8), Tow Truck Insurance (on-hook + garage keepers specialty). Every number on this page traces to a named external publication.
National benchmark figures
Published cost ranges for Commercial Truck 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 commercial truck
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.
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