Commercial Truck Insurance
Illinois
From Chicagoland Intermodal Yards to I-80 Corn Runs—coverage that meets every Illinois Commerce Commission rule
Double-stack containers in Bedford Park, hopper grain trains out of Decatur, and haz-mat loads on the I-55 “Logistics Corridor” all face distinct risks, but they share one requirement: proof of insurance filed with the Illinois Commerce Commission (ICC) and FMCSA. GIA Group, LLC builds policies that clear those hurdles and keep Prairie State freight moving.
Coverage
Who needs it
Who we serve across the Prairie state
Owner-operators — Leased-on or running under their own authority.
New ventures — DOT/MC setup, IRP plates, UCR and ICC Form E filings.
Small & mid-size fleets — 1 – 50 power units, regional or long-haul.
Large fleets — 50+ units; quarterly loss-analysis, telematics discounts.
Intermodal & rail-ramp carriers — Power-only and chassis ops at BNSF, CSX & UP terminals.
Agriculture & bulk commodities — Hopper and end-dump grain, DDGS and fertilizer haulers.
Reefer & food-grade — Temperature-controlled loads from the “I-80 Freezer Alley”.
Steel & heavy-haul — Coil, plate, machinery, and oversize moves needing higher limits.
Our advantages
Requirements
Illinois insurance & filing requirements
Liability limits – intrastate
$750k CSL general freight
$300k CSL for vehicles < 10k lbs GVWR hauling household goods
$1M oil
$5M placarded HM
Intrastate proof — Form E (liability) and Form H (cargo for HHG) filed by insurer with ICC Insurance Portal.
Interstate proof — BMC-91X / MCS-90 on record with FMCSA before authority activation.
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 Illinois?
Most for-hire carriers spend $9,000 – $19,000 per tractor per year. Intermodal and haz-mat routes trend higher, while intrastate agricultural lanes trend lower. GIA shops multiple A-rated markets to secure the best blend of price and protection.
Facts
Service area
Serving truckers across the Illinois state
We write Illinois commercial-auto coverage statewide, including these high-volume freight hubs: Chicago, Joliet, Rockford, Peoria, Springfield, Champaign–Urbana — plus every rail ramp, grain corridor, and I-55 / I-80 / I-94 distribution center in between.
