How much does semi-truck insurance cost in Georgia? (2026)
Semi-Truck insurance pricing in Georgia is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Georgia. Below: the most-recent Georgia filings affecting semi-truck operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Semi-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 semi-truck operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | GA | Overall -8.8% voluntary loss cost / -9.3% assigned risk rate | Mar 1, 2026 | NCCI-134736978 |
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 — Semi-Truck insurance overview
Semi-truck insurance is the full primary commercial-auto + cargo + physical-damage stack for a Class 8 tractor — what an owner-operator under their own DOT authority carries, or what a motor carrier provides for a leased driver under dispatch. It's the umbrella product that includes (or sits alongside) Bobtail, Non-Trucking Liability, Motor Truck Cargo, and MCS-90 filings.
Pricing reflects regulatory floor + real-world risk: typically $9,000-$15,000/year per power unit for a small interstate operation, sometimes up to $20,000+ for new authority or high-radius operators (Progressive Commercial, 2024). Every quoted figure on this page cites a named external publication. Use the calculator below for your range, then get a real quote.
National benchmark figures
Published cost ranges for Semi-Truck insurance — useful as a national baseline against which the Georgia filings above signal local direction.
More Georgia rate-filing detail
- All Georgia commercial rate filings (every line, every recent filing) — the broader rate-data view for Georgia
- 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 Georgia quote for semi-truck
The data above shows the regulator-filed direction for Georgia. 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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