Commercial Truck Insurance
Florida
Reliable truck coverage for Florida’s highways, ports, and produce lanes
At GIA Group, LLC, we help Florida truck drivers and fleet owners secure the commercial truck insurance they need to operate legally and confidently, whether navigating PortMiami, I-95, or the rural roads of central Florida. From flatbeds to reefers, box trucks to car haulers, we understand what it takes to stay covered on Florida’s busy, weather-prone highways.
Success Stories
Client's case | Price per truck |
|---|---|
General Freight – Non-Trucking Liability, Physical Damage | $2,400 |
General Freight – Auto Liability, Cargo Liability, Physical Damage | $17,900 |
General Freight – Non-Trucking Liability, Physical Damage | $1,900 |
Coverage
Who needs it
Serving Florida truckers of all types
Owner-operators – Support for both leased-on drivers and those with authority.
Fleets – Affordable options with fast access to COIs and driver scheduling help.
New ventures – Guidance through first DOT filings and required minimum coverages.
Specialty haulers – Including dump trucks, auto transporters, tankers, and construction material carriers.
Last-mile & Relay haulers – Amazon DSPs, box trucks, and local carriers welcome.
Our advantages
Requirements
Florida truck insurance requirements
Florida law and FMCSA jointly require:
Liability Insurance
$750,000 for general freight
$1,000,000+ for hazardous materials
$300,000 for non-hazardous, 10,000-lb-or-less vehiclesMotor Truck Cargo – Required for household goods movers and many freight brokers
State Filings:
Form E – Filed with FL Department of Highway Safety and Motor Vehicles
Form H – Cargo proof (if required)
MCS-90 / BMC-91X – For federal interstate carriers
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 Florida?
In Florida, commercial truck insurance premiums can vary widely depending on factors like cargo type, driving history, operation radius, and fleet size. Here are some typical figures:
Average annual cost: around $15,522 for a single-truck operation combining liability, cargo, and physical damage coverage. Typical range: $12,648 to $17,856 per year for many owner-operators in Florida. Example “clean-record” scenario: many drivers in Florida report premiums between $12,000 and $15,200 annually.
Note: Costs in Florida are often higher than national averages due to high traffic density, hurricane risk, heavy tourist volumes, and complex coverage needs.
Facts
Service area
Truck insurance across Florida roads
We write Florida commercial-auto policies statewide, including these major freight hubs: Miami, Jacksonville, Tampa, Orlando, Tallahassee, Fort Lauderdale — plus every port, rail ramp, and produce lane in between.
Our reach goes beyond Florida. GIA Group, LLC is licensed in multiple states, delivering consistent coverage no matter where the road leads.
