Commercial Truck Insurance
California
Protecting freight from the Pacific Coast to the Sierra Nevadas
At GIA Group, LLC, we provide California truck drivers and fleet operators with dependable commercial truck insurance tailored to meet strict state and federal requirements. Whether you're hauling through Los Angeles, Fresno, the Bay Area, or along I-5, our policies protect your truck, freight, and business every mile of the way.
Success Stories
Client's case | Price per truck |
|---|---|
Cargo Van General Freight – Auto Liability | $7,300 |
Cargo Van General Freight – Cargo Liability | $1,200 |
General Freight – Non-Trucking Liability, Physical Damage | $2,700 |
Coverage
Who needs it
Serving California truckers of all types
Owner-operators – Local or long-haul, leased or with own authority
Fleets – From 2 to 50+ units—we scale your coverage as you grow
New ventures – Support for first-time MC numbers and DOT filings
Specialty haulers – Dump trucks, auto haulers, flatbeds, heavy machinery
Amazon Relay & last-mile – Box truck and local delivery operations welcome
Our advantages
Requirements
California truck insurance requirements
Auto Liability Insurance
$750,000 minimum for general freight
$1 million for hazardous materials
$300,000 for light freight under 10,001 lbs
Cargo Insurance – Mandatory for household goods movers and brokered freight.
DMV and FMCSA Filings
MCP (Motor Carrier Permit) insurance compliance
Form E, Form H (cargo)
MCS-90 and BMC filings for interstate
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 California?
California’s truck insurance rates are among the highest in the U.S. due to weather, legal exposure, and traffic density. Premiums vary based on:
Operation radius (local vs. interstate)
Driver history and safety scores
Type of cargo and trailer
Truck value and age
DOT compliance and inspections
Average range: $10,000 to $20,000 per truck annually
Let us help you compare policies and reduce premium impact.
Facts
Service area
Commercial truck insurance statewide in California
We write California commercial-auto coverage statewide, including these major freight hubs: Los Angeles, Long Beach, Oakland, Sacramento, Fresno, San Diego — plus every I-5, I-80, and Central-Valley produce lane in between.
Our reach goes beyond California. GIA Group, LLC is licensed in multiple states, providing consistent protection for trucking businesses across the country.
