Commercial Truck Insurance
Maryland
Comprehensive coverage for Maryland’s ports, corridors, and cargo routes
At GIA Group, LLC, we help Maryland truck drivers and fleet operators secure the commercial truck insurance they need to operate with confidence, from Baltimore to the Eastern Shore. Whether you run regional freight, port drayage, or cross-country loads, we’ll help protect your truck, cargo, and compliance with policies tailored to your operation.
Success Stories
Client’s Case | Price per truck / year |
|---|---|
General Freight – Auto Liability, Cargo Liability, Physical Damage | $8,000 |
General Freight – Auto Liability, Cargo Liability | $14,900 |
General Freight – Non-Trucking Liability, Physical Damage | $2,800 |
General Freight – Auto Liability, Cargo, Physical Damage | $2,000 |
Dry Van, Auto Liability, Cargo, Trailer Interchange, General Liability | $12,300 |
Coverage
Who needs it
Serving Maryland truckers of all types
Owner-operators – Whether leased or with their own authority.
Small to mid-size fleets – Scalable policies for growing operations.
Large fleets – 50+ power units, dedicated loss-control and safety-data reviews.
New ventures – Guidance for first-time DOT/MCS-150 applicants.
Specialty operators – Flatbeds, car haulers, dump trucks, hotshots.
Port/drayage carriers – Policies that meet Port of Baltimore compliance needs.
Our advantages
Requirements
Maryland truck insurance requirements
Maryland truckers must follow both state and federal rules:
Liability Insurance Minimums:
$750,000 for general freight
$1,000,000 for hazardous materials
$300,000 for vehicles under 10,001 lbs
Cargo Insurance – Required for certain freight types and household goods.
State & Federal Filings:
Form E – For intrastate filing
Form H – Proof of cargo insurance (if required)
MCS-90 / BMC-91X – For interstate authority
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, Maine Bureau of Motor Vehicles, or a licensed insurance agent.
Cost explanation
What does truck insurance cost in Maryland?
Maryland trucking insurance costs depend on your vehicle type, operation radius, and history. Rates are generally moderate, with more competitive pricing for clean DOT records and local hauls.
Estimated range: $8,000 to $17,000 per truck annually.
Ask our team how to reduce premium costs with the right deductibles, safety practices, and filings.
Facts
Service area
Insurance for truckers across Maryland
We provide Maryland commercial-auto coverage statewide, including these key freight hubs: Baltimore, Silver Spring, Frederick, Hagerstown, Waldorf — plus every port gate, rail ramp, and I-95 / I-70 distribution corridor in between.
Our success extends beyond Maryland. GIA Group, LLC is licensed in several states, providing reliable protection whether you’re hauling through the Port of Baltimore, traveling along the I-95 corridor, or transporting freight nationwide.
