Commercial Truck Insurance
Colorado
Compliance-ready coverage for Rocky Mountain freight
From I-70 runs over Vail Pass, and I-25 routes through Denver and Colorado Springs to energy and agricultural hauls across the Eastern Plains, GIA Group, LLC builds insurance programs that meet FMCSA standards and Colorado Public Utilities Commission (PUC) motor-carrier filing requirements.
Coverage
Who needs it
Serving Colorado truckers of all types
Owner-operators – Independent drivers hauling freight through mountain passes and along I-25, I-70, and I-76.
Fleet owners – Small and mid-size carriers operating regional and interstate routes across the Rockies and Plains.
Local & regional haulers – Operators serving Denver, Colorado Springs, Fort Collins, and Pueblo logistics corridors.
Oilfield & energy support fleets – Trucks servicing Colorado’s energy and drilling sectors.
Agricultural & livestock haulers – Carriers transporting grain, feed, and cattle from the Eastern Plains to Front Range markets.
Construction & equipment haulers – Fleets moving heavy loads, aggregates, and building materials statewide.
Refrigerated & dry van operators – Drivers hauling food, beverage, and consumer goods across mountain and interstate routes.
Dump, tow & service fleets – Specialty operators requiring dependable commercial auto coverage and fast certificates.
Our advantages
Requirements
Colorado truck insurance requirementsv
Operating a commercial truck in Colorado means complying with both federal and state requirements:
Liability Insurance – Most freight carriers must maintain at least $750,000 combined single-limit (CSL) liability coverage under Federal Motor Carrier Safety Administration (FMCSA) rules for standard loads.
State-level Minimums (Intrastate) – The Colorado Public Utilities Commission (PUC) requires motor carriers to carry liability coverage that meets or exceeds FMCSA limits, especially for interstate operations.
State & Federal Filings – Proof of insurance must be submitted for both federal and state compliance (e.g., BMC-91X, MCS-90 filings and notifications to Colorado State Patrol).
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 Colorado?
Insurance costs vary widely, but for Colorado:
A typical single-truck operation may pay around $12,000 per year for a full coverage package (liability + cargo + physical damage). Local/regional delivery operations with lower exposure may find premiums in the $5,000 to $7,000 yearly range. Specialized risks (e.g., hazardous materials or long-haul freight) may see premium levels significantly higher.
Facts
Service area
Serving Colorado truckers across the state
We insure Colorado commercial rigs statewide, including these freight hubs: Denver, Colorado Springs, Aurora, Fort Collins, Pueblo, Greeley — plus every mountain pass, distribution hub, and I-25 / I-70 / I-76 corridor in between.
