How much does hot-shot trucking insurance cost in Rhode Island? (2026)
Hot-Shot Trucking insurance pricing in Rhode Island is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Rhode Island. Below: the most-recent Rhode Island filings affecting hot-shot trucking operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Hot-Shot Trucking 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 hot-shot trucking operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | NCCI-134743616 |
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 — Hot-Shot Trucking insurance overview
Hot-shot trucking insurance covers the niche where Class 3-5 trucks (F-350, Ram 3500, F-450, F-550) pull 25-40 ft gooseneck or flatbed trailers for expedited freight delivery. Common use cases: oilfield equipment + supplies, emergency construction-equipment delivery, time-sensitive parts + machinery, expedited LTL when full-trailer scheduling doesn't fit. The category sits between pickup-commercial use and full Class 8 semi-truck operations.
Typical pricing: $5,000-$10,000/year per truck-trailer combo for a typical operator with clean MVR + standard radius (Progressive Commercial, 2024). CDL is required when combined GVWR exceeds 26,001 lbs OR the trailer exceeds 10,000 lbs GVWR — most hot-shot operations trigger one or both. FMCSA registration required for interstate operation over 10,001 lbs combined GVWR.
National benchmark figures
Published cost ranges for Hot-Shot Trucking insurance — useful as a national baseline against which the Rhode Island filings above signal local direction.
More Rhode Island rate-filing detail
- All Rhode Island commercial rate filings (every line, every recent filing) — the broader rate-data view for Rhode Island
- 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 Rhode Island quote for hot-shot trucking
The data above shows the regulator-filed direction for Rhode Island. 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 Rhode Island quote →