Commercial Truck Insurance
Kentucky
Insurance solutions that keep Kentucky’s freight moving from the Bluegrass to the Appalachians
At GIA Group, LLC, we help Kentucky truckers and fleet owners protect their business with insurance that meets federal and state requirements. Whether you're hauling freight through Louisville, Lexington, or along I-75, we build coverage that supports your work on highways, job sites, and everywhere in between.
Success Stories
Client case | Price per truck |
|---|---|
General Freight – Non-Trucking Liability, Physical Damage | $2,100 |
Dry Van, Non-Trucking Liability, Physical Damage | $3,300 |
General Freight, Non Trucking Liability, Physical Damage | $1,900 |
Dry Van, Physical Damage | $2,200 |
Non-truck liability and physical damage | $2,200 |
Coverage
Who needs it
Serving Kentucky truckers of all types
Owner-operators – With their authority or leased to a carrier.
Small fleets – From 2 to 20+ units, scalable plans for changing operations.
Mid-sized and large fleets – 30 to 50+ power units, dedicated loss-control and safety-data reviews.
New ventures – Startups and first-time DOT registrants welcome.
Specialty haulers – Flatbeds, dump trucks, car haulers, and more.
Box trucks & Amazon Relay – Affordable policies that meet platform requirements.
Our advantages
Requirements
Kentucky truck insurance requirements
To stay compliant in Kentucky, truckers must meet state and federal insurance requirements:
Liability insurance:
$750,000 for most commercial freight
$1 million for hazmat
$300,000 for light trucks under 10,001 lbs
Motor truck cargo – Required when transporting household goods or per contract.
Necessary forms:
Form E – For state filings with KYTC
Form H – Proof of cargo coverage if needed
MCS-90 and BMC-91X – Federal requirements for interstate haulers
Information reflects minimum requirements as of 2025 and is for general reference only. Actual limits may vary by cargo, operation, or regulation. Verify details with the FMCSA, state DOT, or a licensed insurance agent.
Cost explanation
What does truck insurance cost in Kentucky?
Kentucky is considered a moderately priced state for commercial truck insurance. Your rate depends on factors like:
Operating radius and vehicle weight
Driving history and DOT safety record
Freight type and trailer ownership
Claims history and coverage limits
Typical range: $8,000 to $17,000 per truck annually. We’ll help you find the best mix of protection and price.
Facts
Service area
Insurance for truckers across Kentucky
We write Kentucky commercial-auto coverage statewide, including these key freight hubs: Louisville, Lexington, Bowling, Green, Owensboro, Paducah, Covington — plus every coal tipple, auto-plant lane, and I-75/I-64 distribution corridor in between.
GIA Group, LLC supports trucking beyond Kentucky. Licensed across multiple states, the team delivers reliable protection whether running Louisville–Lexington lanes on I-64, moving north–south on I-65 or I-75, crossing the Ohio River, or hauling freight nationwide.
