How Much Does Truck Insurance Cost?
If you're in trucking, insurance isn’t optional—it’s a big part of your bottom line. The cost of commercial truck insurance can vary widely depending on how you run your business. We’re here to break it down in plain language so you know what to expect—and what you can do to control it.
Factors
Factors
What affects the price?
Insurance companies look at a lot of factors, including:
Your operation type of freight, local vs long-haul, your base state
Your operation type of freight, local vs long-haul, your base state
Your operation type of freight, local vs long-haul, your base state
Location & radius
Location & radius
Location & radius
Years in business
Years in business
Years in business
Driver experience and safety record
Driver experience and safety record
Driver experience and safety record
CDL history, violations, and accidents
CDL history, violations, and accidents
CDL history, violations, and accidents
Vehicle age, type, and replacement cost
Vehicle age, type, and replacement cost
Vehicle age, type, and replacement cost
FMCSA safety scores
FMCSA safety scores
FMCSA safety scores
Claims history
Claims history
Claims history
Owner's credit score
Owner's credit score
Owner's credit score
Tip: safety performance and clean records are key to keeping costs low long-term.
Cost ranges
Cost ranges
Average premium ranges by coverage type
Average premium ranges by coverage type
General Liability
Covers business activities outside
of the truck itself.
Small fleet (1–5 trucks)
$500–$600/year
Small fleet (1–5 trucks)
$500–$600/year
Small fleet (1–5 trucks)
$500–$600/year
Larger fleets
$1,000–$2,000/year
Larger fleets
$1,000–$2,000/year
Larger fleets
$1,000–$2,000/year
Commercial Auto Liability (Primary)
Required to operate. Covers damage you may cause to others.
Good record
$5,000–$8,000/year per truck
Good record
$5,000–$8,000/year per truck
Good record
$5,000–$8,000/year per truck
New ventures/minor violations
$10,000–$16,000
New ventures/minor violations
$10,000–$16,000
New ventures/minor violations
$10,000–$16,000
High-risks
$20,000–$30,000+
High-risks
$20,000–$30,000+
High-risks
$20,000–$30,000+
Cargo vans
30–50% less than tractors
Cargo vans
30–50% less than tractors
Cargo vans
30–50% less than tractors
Dry Van
Average
$1,000/year per truck
Average
$1,000/year per truck
Average
$1,000/year per truck
Preferred
$600–$800
Preferred
$600–$800
Preferred
$600–$800
High-risk
$1,200–$2,000
High-risk
$1,200–$2,000
High-risk
$1,200–$2,000
Reefer
Average
$1,200–$1,600
Average
$1,200–$1,600
Average
$1,200–$1,600
Meats, seafood, pharma
add 10–30%
Meats, seafood, pharma
add 10–30%
Meats, seafood, pharma
add 10–30%
Top rated
$800/year
Top rated
$800/year
Top rated
$800/year
High-risk
$2,000+
High-risk
$2,000+
High-risk
$2,000+
Flatbed / Oversize
Higher cargo limits
often $250k
Higher cargo limits
often $250k
Higher cargo limits
often $250k
Average
$1,200–$1,800
Average
$1,200–$1,800
Average
$1,200–$1,800
High-risk
$2,000+
High-risk
$2,000+
High-risk
$2,000+
Car Haulers
Average
$5,000 per truck
Average
$5,000 per truck
Average
$5,000 per truck
Preferred
$3,000–$4,000
Preferred
$3,000–$4,000
Preferred
$3,000–$4,000
High-risk
$6,000+
High-risk
$6,000+
High-risk
$6,000+
Exotic/Luxury
Limits up to $500k may add $1,000–$2,000/year
Exotic/Luxury
Limits up to $500k may add $1,000–$2,000/year
Exotic/Luxury
Limits up to $500k may add $1,000–$2,000/year
Rated as a % of vehicle value
2%–10%
Rated as a % of vehicle value
2%–10%
Rated as a % of vehicle value
2%–10%
Example:
$200,000 truck
~$6,000/year at 3% rate
Lower-value units may be rated higher (e.g., 8% for older trucks).
Higher-value equipment often gets better rate percentages.
Average
$600–$1,000 per trailer
Average
$600–$1,000 per trailer
Average
$600–$1,000 per trailer
Preferred
$400
Preferred
$400
Preferred
$400
High-risks
$1,200+
High-risks
$1,200+
High-risks
$1,200+
Average
$120–$200/month per driver
Average
$120–$200/month per driver
Average
$120–$200/month per driver
Trucking industry rates
5%–15% of payroll
Trucking industry rates
5%–15% of payroll
Trucking industry rates
5%–15% of payroll
Higher than most industries
Ready for a custom quote?
Every trucking business is different—and your insurance should reflect that. We'll help you understand your options, shop the right carriers, and get covered fast.
Ready for a custom quote?
Every trucking business is different—and your insurance should reflect that. We'll help you understand your options, shop the right carriers, and get covered fast.
Ready for a custom quote?
Every trucking business is different—and your insurance should reflect that. We'll help you understand your options, shop the right carriers, and get covered fast.
Tips
Tips
Tips
What you can do to save
Keep FMCSA safety scores clean
Keep FMCSA safety scores clean
Keep FMCSA safety scores clean
Invest in driver training and vehicle maintenance
Invest in driver training and vehicle maintenance
Invest in driver training and vehicle maintenance
Consider higher deductibles
Consider higher deductibles
Consider higher deductibles
Work with an agent who specializes in trucking
Work with an agent who specializes in trucking
Work with an agent who specializes in trucking
Bundle multiple coverages
Bundle multiple coverages
Bundle multiple coverages
Ask about preferred-risk carrier options
Ask about preferred-risk carrier options
Ask about preferred-risk carrier options
Get your quote today
Fast, simple, and tailored to your business.
Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.
Get your quote today
Fast, simple, and tailored to your business.
Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.
Get your quote today
Fast, simple, and tailored to your business.
Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.
GIA Group, LLC is an independent insurance agency providing trucking and commercial insurance solutions.
Contact
Phone:
Quotes and new business:
Сertificates of insurance:
Policy service:
Claims reporting:
Office
250 Street Rd, Warminster, PA 18974
Monday — Friday: 9 AM – 5 PM
Coverages
Vehicles
© 2015 - 2025 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency
GIA Group, LLC is an independent insurance agency providing trucking and commercial insurance solutions.
Contact
Phone:
Quotes and new business:
Сertificates of insurance:
Policy service:
Claims reporting:
Office
250 Street Rd, Warminster, PA 18974
Monday — Friday: 9 AM – 5 PM
Coverages
Vehicles
© 2015 - 2025 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency
GIA Group, LLC is an independent insurance agency providing trucking and commercial insurance solutions.
Contact
Phone:
Quotes and new business:
Сertificates of insurance:
Policy service:
Claims reporting:
Office
250 Street Rd, Warminster, PA 18974
Monday — Friday: 9 AM – 5 PM
Coverages
Vehicles
© 2015 - 2025 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency