Commercial Truck Insurance
Indiana
Compliance-ready coverage for Hoosier truckers
From I-65 routes connecting Indianapolis to Louisville, to I-70 freight runs through Terre Haute and Dayton, GIA Group, LLC builds trucking insurance programs that meet FMCSA standards and Indiana Department of Revenue Motor Carrier Services requirements. Whether hauling automotive freight, agricultural loads, or general commodities, our team helps Indiana truckers stay insured, compliant, and ready for the next dispatch.
Coverage
Who needs it
Serving Indiana truckers of all types
Owner-operators – Independent drivers hauling freight along I-65, I-70, and I-69 through Indianapolis and beyond.
Fleet owners – Small and mid-size carriers running regional and national routes across the Midwest.
Local & regional haulers – Operators serving major hubs in Fort Wayne, Evansville, South Bend, and Gary.
Agricultural & livestock haulers – Carriers moving grain, feed, and livestock across Indiana’s farming regions.
Manufacturing & auto freight fleets – Trucks transporting industrial and automotive cargo statewide.
Construction & equipment haulers – Fleets moving materials and machinery to support Indiana’s growing infrastructure sector.
Refrigerated & dry van operators – Carriers delivering food, consumer goods, and general freight.
Dump, tow & service fleets – Specialty operators relying on customized commercial auto protection and fast certificates.
Our advantages
Requirements
Indiana truck insurance requirements
Operating a commercial truck in Indiana requires compliance with both federal and state regulations:
Liability insurance – For-hire carriers transporting non-hazardous property in vehicles with GVWR of 10,001 lbs or more must carry at least $750,000 combined single limit (CSL) per Federal Motor Carrier Safety Administration (FMCSA) standards.
State minimums (Intrastate) – Indiana intrastate carriers have minimum coverage requirements of $300,000 CSL for non-hazardous freight under state regulations.
State & federal filings – Carriers must file required documents such as Form E with the Indiana Department of Revenue Motor-Carrier Services and ensure federal filings (e.g., BMC-91X/MCS-90) are maintained.
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 Indiana?
In Indiana, the average annual cost of commercial truck insurance for a single-truck operation typically ranges from $11,000 to $14,500, depending on cargo type, driving record, and operating radius. Local and regional haulers with strong safety histories may pay closer to $10,000 per year, while long-haul or specialized carriers often see higher premiums. Overall, Indiana’s rates remain near the national average, offering competitive pricing for both owner-operators and small fleets.
Facts
Service area
Where we operate in Indiana
GIA Group, LLC serves trucking operations throughout Indiana, supporting carriers across major freight hubs such as Indianapolis, Fort Wayne, Evansville, South Bend and Gary.
We’re familiar with key corridors including I-65, I-69, I-70, I-74, and I-80/90, helping truckers who haul regionally through the Midwest or run interstate routes stay protected and compliant under every load.
