Commercial Truck Insurance
Minnesota
North Star coverage for grain, timber, and Twin Cities freight
From refrigerated produce leaving the Red River Valley to lumber flats running I-35, and drayage tractors cycling through the Twin Cities rail ramps, GIA Group, LLC builds insurance programs that meet every FMCSA rule and Minnesota Department of Transportation (MnDOT) filing requirement.
Coverage
Who needs it
Who we serve across the Gopher state
Owner-operators — leased-on or running under their own authority.
New ventures — DOT/MC set-up, IRP plates, UCR, first-year filings.
Small & mid-size fleets — 1–50 power units, regional or long-haul.
Large fleets — 50 + units; quarterly loss analysis and telematics credits.
Agriculture & livestock — grain, beet, dairy, and cattle carriers.
Timber & forest products — log trucks, chip vans, dimensional lumber.
Intermodal & rail-ramp drayage — BNSF, UP, CP terminals in the Twin Cities.
Reefer & food-grade — frozen foods, bakery, and fresh-produce lanes.
Our advantages
Requirements
Minnesota insurance & filing requirements
Liability limits (intrastate)
$750 K CSL general freight
$1 M oil
$5 M placarded HM (Minnesota adopts 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) e-filed by insurer with MnDOT Motor Carrier Services.
Interstate proof — BMC-91X / MCS-90 must be on record with FMCSA before authority activation.
Cargo insurance — Statutory only for household-goods carriers; most shippers require ≥ $100 K for other freight.
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
How much does trucking insurance in Minnesota cost?
Most for-hire carriers spend $8,000 – $17,000 per tractor each year. Premiums rise on haz-mat and long-haul I-35 lanes, and drop on intrastate grain routes. GIA shops several markets to secure the right blend of price and protection.
Facts
Service area
Serving Minnesota truckers across the state
We provide Minnesota commercial auto coverage statewide, including these major freight hubs: Minneapolis–St Paul, Duluth, Rochester, St Cloud, Moorhead — plus every grain elevator, lumber mill, and I-94 / I-35 logistics corridor in between.
