Keeping Wolverine state fleets rolling—fully compliant
From Detroit’s automotive corridors and I-75’s international freight lanes to Grand Rapids produce hauls and Upper-Peninsula log routes, GIA Group, LLC designs coverage that meets both FMCSA rules and Michigan Department of State (MDOS) insurance filings.
Success Stories
Client case | Price per truck |
|---|---|
Dry Van, Non-Trucking Liability, Physical Damage | $3,300 |
Non-truck liability and physical damage for a new tractor-trailer | $5,700 |
Coverage
Who needs it
Serving Michigan truckers of all types
Owner-operators – Leased-on or running under their own authority
New ventures – Help with DOT/MC setup, IFTA, IRP, and Michigan intrastate authority
Small & mid-size fleets – 1–50 power units, local or long-haul
Large fleets – 50+ units; dedicated loss-control reviews and telematics-driven savings
Cross-border carriers – Detroit/Windsor and Port Huron crossings needing Canadian filings (Form E)
Steel & flatbed specialists – Coil, bar, and machinery haulers requiring high cargo sub-limits
Dump & construction fleets – Aggregate, asphalt, and site-haul trucks tied to MDOT projects
Reefer & grocery distributors – Temperature-controlled loads from west-state produce hubs
Our advantages
Multi-carrier market access
competitive rates without carrier bias
Two-decade truck-only focus
underwriters who understand axle weights, and Frost Law permits
Requirements
Commercial truck insurance requirements in Michigan
Liability Limits
$750 K general freight
$1 M oil
$5 M placarded HM (49 CFR 387 adopted by Michigan)
Intrastate Proof — The insurance carrier must electronically report liability coverage to the MDOS; Form E is accepted for household-goods carriers.
Interstate Proof — BMC-91X / MCS-90 filed with FMCSA before authority becomes active.
Cargo Insurance — Required only for household-goods movers intrastate, but most shippers mandate $100 K+.
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 Michigan?
Premiums run $9,000 – $18,000 per tractor each year—higher for cross-border haz-mat lanes, lower for intrastate agriculture routes. We shop multiple A-rated carriers to lock in the best combination of price and protection.
Facts
≈ 12,950 active interstate motor-carrier companies list Michigan as their principal place of business, according to FMCSA’s July 2025 Registration Statistics dashboard.
A&I Online
74 % of all freight tonnage in Michigan moves by truck, per MDOT’s 2025 Fast Facts report—underscoring trucking’s dominance in the state network.
michigan.gov
37 % of the $526 billion in annual U.S.–Canada trade flows through Michigan border crossings, more than any other state.
michigan.gov
Service area
Where we operate
We provide Michigan commercial auto coverage statewide, including these major freight hubs: Detroit, Grand Rapids, Lansing, Flint, Ann Arbor, Kalamazoo — plus every border crossing, rail ramp, and I-75 / I-94 logistics corridor in between.
