Commercial Truck Insurance Kansas
Compliance-ready coverage for Kansas truckers
From I-70 freight runs through Topeka and Salina to agricultural hauls along I-35 and U.S. 54, GIA Group, LLC provides trucking insurance programs that meet FMCSA requirements and Kansas Corporation Commission (KCC) motor-carrier insurance standards. Whether hauling grain, livestock, or regional freight, Kansas operators can rely on GIA Group, LLC for dependable coverage and responsive service that keeps them compliant and on the road.
Coverage
Who needs it
Serving Kansas truckers of all types
Owner-operators – Independent drivers hauling freight along I-70, I-35, and U.S. 54 through Wichita, Topeka, and Kansas City.
Fleet owners – Small and mid-size carriers running regional and long-haul routes across the Midwest and Great Plains.
Local & regional haulers – Operators serving agricultural hubs, rail yards, and distribution centers statewide.
Agricultural & livestock haulers – Carriers transporting grain, feed, and cattle from rural farms to major markets.
Oilfield & energy fleets – Trucks supporting drilling, equipment transport, and fuel delivery operations.
Construction & equipment haulers – Fleets handling materials, aggregates, and heavy machinery across Kansas.
Refrigerated & dry van operators – Drivers hauling food, produce, and general freight throughout the region.
Dump, tow & service fleets – Specialty operators needing tailored commercial auto coverage and quick certificate turnaround.
Our advantages
Requirements
Kansas truck insurance requirements
Operating a commercial truck in Kansas means complying with both federal and state regulations:
Liability insurance – Common Interstate Requirement: For many interstate freight carriers, the Federal Motor Carrier Safety Administration (FMCSA) minimum is $750,000 combined single limit (CSL) for non-hazardous property carriers.
State minimums (Intrastate/Tonnage-based): Under Kansas Corporation Commission rule K.S.A. 66-1-128, certificates issued for property carriers must carry no less than $100,000 for personal injury or death to one person, $300,000 for two or more persons, and $50,000 for property damage per accident.
State & federal filings: Insurance policies or certificates must be filed with the Commission (or designated registry) and meet federal requirements (e.g., Form BMC-91X or MCS-90 for 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 Kansas?
In Kansas, truck insurance costs vary based on operation type, route distance, and driver history. For most single-truck operations, annual premiums average between $10,000 and $13,000, with many owner-operators paying around $11,500 per year for combined liability, cargo, and physical damage coverage. Local and regional carriers with clean safety records often benefit from lower rates, while long-haul or higher-risk freight operations may pay more.
Facts
Service area
Where we operate in Kansas
GIA Group, LLC serves trucking operations across the entire state of Kansas, supporting carriers from Wichita, Topeka, Kansas City and Dodge City to rural agricultural routes statewide. We’re familiar with the state’s main freight corridors — including I-70, I-35, and U.S. 54 — helping Kansas truckers stay insured, compliant, and ready for every haul.
