Commercial Truck Insurance
Louisiana
Truck insurance built for Louisiana’s ports, pipelines, and Gulf routes
From I-10 hauls through Baton Rouge and Lake Charles to port deliveries in New Orleans and energy freight along U.S. 90, GIA Group, LLC designs insurance programs that meet FMCSA requirements and Louisiana Department of Transportation and Development (LaDOTD) motor-carrier standards. With coverage tailored for oilfield, agricultural, and regional carriers, Louisiana truckers can depend on GIA Group, LLC for reliable protection and fast certificate turnaround.
Coverage
Who needs it
Serving Louisiana truckers of all types
Owner-operators – Independent drivers hauling freight along I-10, I-12, and I-20 through Baton Rouge, Shreveport, and New Orleans.
Fleet owners – Small and mid-size carriers operating regional and long-haul routes across the Gulf South.
Port & intermodal carriers – Trucks serving Louisiana’s busy ports, including New Orleans and Lake Charles.
Oilfield & energy fleets – Carriers supporting offshore, refinery, and pipeline operations.
Agricultural & livestock haulers – Operators moving crops, feed, and livestock from farm regions to Gulf terminals.
Construction & equipment haulers – Fleets transporting heavy machinery, materials, and aggregates statewide.
Refrigerated & dry van operators – Drivers delivering seafood, perishables, and consumer goods across the South.
Dump, tow & service fleets – Specialized operations requiring dependable commercial auto protection and fast certificates.
Our advantages
Requirements
Louisiana truck insurance requirements
Operating a commercial trucking business in Louisiana requires compliance with both federal and state requirements:
Liability insurance (Interstate/Freight) – Carriers subject to Federal Motor Carrier Safety Administration (FMCSA) rules generally must maintain a combined single limit (CSL) of at least $750,000 for non-hazardous goods in interstate commerce.
State minimums (Intrastate) – Louisiana state law mandates split-liability minimums of $300,000 (or higher) for property-carrying commercial vehicles that remain intrastate. Some sources note a baseline of $300,000 for trucks under certain weights or uses.
State & federal filings – Insurance certificates must meet federal FMCSA filing requirements (e.g., MCS-90) and comply with the Louisiana Department of Transportation and Development (La DOTD) which requires a certificate with appropriate limits to obtain or renew permits.
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 Louisiana?
Truck insurance rates in Louisiana are among the highest in the South due to dense traffic zones and elevated accident and claim rates. On average, single-truck operators pay between $13,000 and $18,000 per year, with statewide averages near $15,500 annually for full coverage including liability, cargo, and physical damage. Local and short-haul carriers in rural areas often see lower premiums, while long-haul and oilfield operations typically face higher costs.
Facts
Service area
Where we operate in Louisiana
GIA Group, LLC provides trucking insurance coverage throughout Louisiana in New Orleans, Baton Rouge, Lafayette, Shreveport, Lake Charles.
We support carriers operating along key freight corridors such as I-10, I-20, and U.S. 90, helping Louisiana truckers maintain compliant, cost-effective coverage for every haul.
