Commercial truck insurance designed for Georgia’s busy freight corridors
At GIA Group, LLC, we help Georgia truck drivers and fleet operators get fast, reliable insurance that meets state and federal requirements—whether you’re hauling through Atlanta traffic, Savannah’s ports, or Georgia’s rural corridors. Our policies are built to handle the real risks of trucking in the South.
Success Stories
Clent's case | Price per truck |
|---|---|
General Freight – Auto Liability, Cargo Liability | $13,000 |
Cargo Van, Auto Liability, Cargo | $15,200 |
Dry van, Interstate operations, Auto liability | $8,900 |
Coverage
Who needs it
Serving Georgia truckers of all types
Owner-Operators – With or without their authority.
Fleets – Flexible plans that grow with your business.
New Ventures – First-time carriers get help with filings, quotes, and setup.
Specialty Haulers – Dump trucks, car haulers, flatbeds, refrigerated goods.
Last-Mile & Box Truck Drivers – Coverage tailored to Amazon Relay and e-commerce freight.
Our advantages
Licensed in Georgia
knowledge of DPS and FMCSA rules ensures coverage meets state and federal requirements.
Fast certificates of insurance
same-day COIs for shippers, brokers, and port access in Savannah, Atlanta, and beyond.
Requirements
Georgia truck insurance requirements
Georgia truckers must meet both state and FMCSA requirements:
Liability insurance minimums:
$750,000 for most commercial carriers
$1,000,000 for hazmat haulers
$300,000 for light commercial vehicles
Motor Truck Cargo Insurance – Required for household goods movers and often for brokered loads.
State & federal filings
Georgia Form E (state liability filing)
Form H (for cargo, when applicable)
FMCSA MCS-90 and BMC-91X (interstate filings)
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 Georgia?
Georgia trucking insurance rates depend on many factors—route length, cargo type, vehicle class, and DOT safety history. Average premiums range from:
$8,500 to $17,000 per truck annually, with better rates available for clean records and local operators.
Let our team help you build the right policy at the right price.
Facts
≈ 18,100 active interstate motor-carrier companies list Georgia as their principal place of business, according to FMCSA’s July 2025 Registration Statistics dashboard.
A&I Online
The Port of Savannah moved 5.55 million TEUs in calendar-year 2024, an 12.5 % jump over 2023 and a new annual record for the port.
Georgia Ports Authority
Georgia has one of the nation’s worst freight chokepoints: I-285 @ I-85 (North Atlanta) again made ATRI’s 2025 Top-100 Truck Bottlenecks list.
Trucking Research
Service area
Serving Georgia trucking businesses statewide
We offer Georgia commercial-auto coverage statewide, including these major freight hubs: Atlanta, Savannah, Augusta, Macon, Columbus, Albany — plus every port, rail-ramp and poultry or timber lane in between.
Our reach goes beyond Georgia. GIA Group, LLC is licensed in multiple states, offering consistent coverage wherever your business takes you.
