How much does semi-truck insurance cost in Kentucky? (2026)

Semi-Truck insurance pricing in Kentucky is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Kentucky. Below: the most-recent Kentucky 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	KY	-8.4% voluntary loss cost decrease	Jan 1, 2025	NCCI-134239464

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 Kentucky filings above signal local direction.

Primary commercial-auto liability ($1M CSL)

$7,000–$12,000 / yr

Per power unit, established operator. Progressive Commercial 2024

Physical Damage (Coll + Comp)

$2,500–$5,000 / yr

On $80K-$150K Class 8 tractor. Insureon trucking guide

Motor Truck Cargo ($100K limit)

$400–$1,200 / yr

IRMI + Progressive Commercial

FMCSA primary liability minimum

$750,000 CSL

General freight (49 CFR §387). $1M for hazmat. FMCSA

New-authority surcharge

+30–50%

First 12 months of MC# authority. Progressive Commercial

Workers Comp (long-haul trucking)

$4–$10 / $100 payroll

NCCI Class Code 7228. NCCI Atlas

More Kentucky rate-filing detail

All Kentucky commercial rate filings (every line, every recent filing) — the broader rate-data view for Kentucky
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 Kentucky quote for semi-truck

The data above shows the regulator-filed direction for Kentucky. 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 Kentucky quote →

📘 Educational, not advice. This state-specific cost page is general educational content reviewed by Jason Wootton, our California-licensed P&C Insurance Agent (CA License #0I94454). Bureau-filed loss-cost changes do not directly equal carrier rate changes — your final quote depends on class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. For actual numbers, get a real quote.