Commercial Truck Insurance
Alabama
Protecting freight from the Gulf Coast to the Appalachians
Whether the haul runs I-65 through Birmingham, moves freight from Mobile’s port, or delivers goods along I-20 to Montgomery and Tuscaloosa, GIA Group, LLC builds trucking policies that meet every FMCSA requirement and Alabama Department of Revenue Motor Carrier Services insurance standard.
Coverage
Who needs it
Serving Alabama truckers of all types
Owner-operators – Independent drivers hauling regional or long-haul freight across the Southeast.
Fleet owners – Small and mid-size carriers managing multi-unit operations statewide.
Local & regional haulers – Operators running short routes between Birmingham, Montgomery, and Mobile.
Port & intermodal carriers – Trucks serving Mobile’s port and major freight terminals.
Agricultural & livestock haulers – Carriers transporting farm products, feed, and equipment.
Oilfield & construction fleets – Service trucks supporting energy, infrastructure, and industrial projects.
Refrigerated & dry van operators – Drivers hauling temperature-controlled and general freight.
Dump & tow operators – Specialty fleets requiring tailored liability and physical damage coverage.
Our advantages
Requirements
Alabama truck insurance requirements
Liability insurance – Most interstate freight carriers must maintain at least $750,000 in primary auto liability coverage; certain operations (e.g., haz-mat or large fleets) may require $1 million or more.
State split-limit minimums – For vehicles operating under Alabama intrastate rules without MC/Carrier filings, minimum liability limits of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 property damage apply.
State & federal filings – Carriers with USDOT or MC numbers must meet FMCSA’s financial responsibility rules (e.g., Form MCS-90) and ensure filings such as Form E or other state-specific endorsements are current.
The information above is provided for general educational purposes and reflects minimum insurance requirements as of 2025. Actual coverage needs may vary by operation, cargo type, or recent regulatory changes. Carriers should verify current limits and filing obligations with the FMCSA, their state Department of Transportation, or a licensed insurance professional.
Cost explanation
How much does truck insurance cost in Alabama?
Truck insurance rates in Alabama vary based on several key factors, including vehicle type, cargo, operating radius, and driver history. On average, primary liability coverage for a single truck typically ranges from $9,000 to $14,000 per year, while full coverage packages that include physical damage, cargo, and general liability can reach $12,000–$18,000 annually.
Facts
Service area
Serving truckers across the Alabama state
We insure Alabama commercial rigs statewide, including these freight hubs: Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Dothan — plus every port, plant, and I-10 / I-20 / I-59 / I-65 / I-85 corridor in between.
