Commercial Truck Insurance
Arkansas
Protecting freight from the Ozarks to the Delta
Whether the route runs I-40 through Little Rock, hauls timber from Fayetteville, or moves farm goods along I-30 toward Memphis, GIA Group, LLC provides trucking coverage that meets FMCSA requirements and Arkansas Department of Transportation (ARDOT) insurance compliance standards.
Coverage
Who needs it
Serving Arkansas truckers of all types
Owner-operators – Independent drivers hauling freight along I-40, I-30, and I-49 through Little Rock and Fayetteville.
Fleet owners – Small and mid-size carriers running regional and long-haul routes across the South and Midwest.
Local & regional haulers – Operators serving major distribution centers and industrial hubs in Jonesboro, Fort Smith, and Pine Bluff.
Agricultural & livestock haulers – Carriers moving crops, grain, and livestock from the Delta to the Ozarks.
Timber & lumber fleets – Trucks supporting Arkansas’s strong forestry and wood products industry.
Construction & equipment haulers – Fleets transporting materials and heavy machinery statewide.
Refrigerated & dry van operators – Drivers handling temperature-controlled and general freight shipments.
Dump & tow fleets – Specialized operators requiring tailored liability and physical damage protection.
Our advantages
Requirements
Arkansas truck insurance requirements
Operating a commercial truck in Arkansas means complying with both federal and state requirements:
Liability Insurance – For interstate freight carriers, the Federal Motor Carrier Safety Administration (FMCSA) mandates at least $750,000 CSL (combined single limit) for most operations.
State Minimums (Intrastate) – Arkansas law requires commercial vehicles to carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage for many business vehicles.
State & Federal Filings – Carriers must maintain proof of insurance filings for both federal and state authorities (for example, BMC-91X or MCS-90 for interstate operations) and meet requirements of the Arkansas Department of Transportation (ARDOT).
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
What does truck insurance cost in Arkansas?
Truck insurance premiums in Arkansas vary based on factors such as corridor length, cargo type, driver history, and coverage components. On average:
A typical one-truck operation can expect annual costs of around $10,960 for a standard package including liability, cargo, and physical damage.
Monthly equivalents for many owner-operators range between $900 and $1,600 for comprehensive coverage.
Facts
Service area
Serving Arkansas truckers across the state
We insure Arkansas commercial rigs statewide, including these freight hubs: Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, Pine Bluff — plus every lumber yard, distribution center, and I-40 / I-30 / I-49 corridor in between.
