Commercial Truck Insurance Connecticut
Compliance-ready coverage for New England freight
From I-95 runs through Bridgeport and New Haven to regional deliveries along I-84 and I-91, GIA Group, LLC develops insurance programs that meet FMCSA standards and Connecticut Department of Transportation (CTDOT) motor-carrier filing requirements.
Coverage
Who needs it
Serving Connecticut truckers of all types
Owner-operators – Independent drivers running freight along I-95, I-84, and I-91 through Bridgeport, Hartford, and New Haven.
Fleet owners – Small and mid-size carriers managing regional and interstate operations across New England.
Local & regional haulers – Operators serving ports, warehouses, and distribution centers throughout Connecticut.
Port & intermodal carriers – Trucks handling freight in and out of New Haven Harbor and nearby terminals.
Construction & equipment haulers – Fleets transporting materials and heavy machinery for infrastructure and development projects.
Refrigerated & dry van operators – Carriers moving temperature-controlled and general freight across the Northeast.
Specialty & LTL carriers – Operators managing smaller loads, expedited shipments, and last-mile delivery routes.
Tow, dump & service fleets – Specialty operations needing tailored liability, physical damage, and on-hook coverage.
Our advantages
Requirements
Connecticut truck insurance requirements
Operating a commercial truck in Connecticut means complying with both federal and state requirements:
Liability Insurance – For freight vehicles over 10,001 lbs GVWR, interstate carriers must carry at least $750,000 combined single-limit (CSL) liability under FMCSA standards.
State Minimums (Intrastate) – Connecticut requires commercial vehicles to maintain at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage for certain vehicles.
State & Federal Filings – Carriers must report insurance coverage annually for vehicles operating intrastate with a GVWR of 18,001 lbs or interstate with 10,001 lbs+. The vehicle insurance certificate must meet state-filed proof standards.
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 Connecticut?
Several factors influence premium levels, including tractor/truck type, cargo classification, driver history and route length. In Connecticut, many single-truck operators report annual premiums in the $13,000 to $19,000 range. Regular reassessment of vehicle value, driver training history and cargo risk can help manage costs more effectively.
Facts
Service area
Serving Connecticut truckers across the state
We insure Connecticut commercial rigs statewide, including these freight hubs: Bridgeport, New Haven, Hartford, Stamford, Waterbury, Norwalk — plus every warehouse district, port terminal, and I-84 / I-91 / I-95 corridor in between.
