Semi Truck Insurance — Save Up to 30%
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1-833-505-2594Get Business Coverage specializes in helping owner-operators and trucking companies find affordable semi truck insurance. Many drivers overpay for coverage on their rigs — we help you compare rates from carriers who specialize in semi trucks.
* Savings claims are based on industry averages when businesses compare multiple insurance quotes. Individual savings vary based on coverage, location, driving history, and other factors. We are not an insurance company or agent — we connect businesses with licensed insurance professionals.
Get Your Semi Truck Insurance Quote in Minutes
Fast, affordable semi truck insurance for owner-operators and fleets. Cover 18-wheelers, tractor trailers, and big rigs. Compare rates from multiple carriers in minutes.
Why Choose Get Business Coverage?
- Compare semi truck insurance from multiple carriers in 5 minutes.
- Coverage for new authority drivers with as little as 3 months CDL experience.
- Save with competitive rates from A-rated trucking carriers.
- Get your COI and filings same-day from top carriers.
Owner-operators who compare semi truck insurance quotes save an average of $2,000 - $6,000 per year. Savings vary based on authority age, cargo type, operating radius, and driving record.
Coverage Options for Semi Trucks
Protect your rig with semi truck insurance designed for owner-operators and fleets:
- Primary Liability: $750K-$1M FMCSA compliant coverage for interstate operations.
- Physical Damage: Collision, comprehensive, fire & theft protection for your rig.
- Motor Truck Cargo: Freight protection up to $100K+.
- Bobtail Insurance: Coverage when driving without a trailer.
- Non-Trucking Liability: Off-duty personal use coverage.
- Occupational Accident Insurance: Protection for owner-operators on the job.
Why Semi Truck Insurance Matters
- Stay Compliant: Stay DOT and FMCSA compliant with proper insurance filings.
- Protect Your Investment: Protect your rig — your most valuable business asset.
- Win More Loads: Meet broker and load board insurance requirements to haul freight.
How Much Does Semi Truck Insurance Cost?
Semi truck insurance costs vary based on several factors including your driving experience, authority age, cargo type, and operating radius. Here's what affects your premium:
- Authority Age: New authority drivers (under 2 years) typically pay higher premiums. Rates decrease significantly after 2 years of clean operations.
- Driving Record: A clean CDL record with no violations or accidents can save you 15-30% on your premium.
- Cargo Type: General freight is cheaper to insure than hazmat, oversized loads, or refrigerated cargo.
- Operating Radius: Local/regional operations cost less than long-haul interstate routes.
- Deductibles: Higher deductibles lower your monthly premium — choose what fits your cash flow.
Frequently Asked Questions
Common concerns — answered by licensed insurance professionals
What is the minimum insurance required for semi trucks?
The FMCSA requires a minimum of $750,000 in primary liability coverage for trucks hauling non-hazardous freight. Hazmat carriers need $1M-$5M depending on the materials. Most brokers and shippers also require cargo insurance of $100K+.
Can new authority drivers get semi truck insurance?
Yes. While rates are higher for new authority, we work with carriers who cover drivers with as little as 3 months of CDL experience. Rates typically drop after your first year with a clean record.
What's the difference between bobtail and non-trucking liability?
Bobtail insurance covers you when driving your truck without a trailer for business purposes (like returning from a delivery). Non-trucking liability covers personal use of your truck when you're off-duty and not under dispatch.
How fast can I get my COI and insurance filings?
Many of our carrier partners can issue your Certificate of Insurance (COI) and file your BMC-91 or BMC-91X with the FMCSA same-day, so you can start hauling right away.
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