Commercial Truck Insurance
Mississippi
Coverage designed for Mississippi’s highways, farms, and freight corridors
From I-55 routes through Jackson and Memphis-bound lanes on I-69 to agricultural hauls across the Delta and Gulf Coast freight on I-10, GIA Group, LLC builds insurance programs that meet FMCSA requirements and Mississippi Department of Transportation (MDOT) motor-carrier insurance standards. Whether transporting crops, timber, or regional freight, Mississippi trucking businesses rely on GIA Group, LLC for dependable coverage, responsive service, and compliance-ready protection across the South.
Coverage
Who needs it
Serving Mississippi truckers of all types
Owner-operators – Independent drivers hauling freight along I-55, I-20, and I-10 through Jackson, Gulfport, and Tupelo.
Fleet owners – Small and mid-size carriers running regional and long-haul routes across the South.
Agricultural & livestock haulers – Carriers transporting crops, feed, and livestock from Delta farms to Gulf Coast markets.
Oilfield & energy fleets – Trucks supporting Mississippi’s energy, refinery, and pipeline operations.
Construction & equipment haulers – Fleets delivering heavy machinery, materials, and aggregates statewide.
Refrigerated & dry van operators – Drivers moving food, produce, and consumer freight through the Southeast.
Local & regional haulers – Operators serving warehouses, ports, and distribution hubs across Mississippi.
Dump, tow & specialty fleets – Specialized operations relying on tailored coverage and fast certificate service.
Our advantages
Requirements
Mississippi truck insurance requirements
Operating a commercial truck in Mississippi requires compliance with both federal and state insurance and filing obligations:
Liability Minimums – For interstate freight carriers, the Federal Motor Carrier Safety Administration (FMCSA) typically sets liability insurance requirements at $750,000 combined single limit (CSL) for general freight; higher limits apply to oil transports and hazardous materials.
State-Specific Minimums – For carriers operating intrastate under the Mississippi Department of Transportation (MDOT) filings and permits, liability limits may start at $300,000 CSL for general property-carrying operations and higher for specialized freight.
State & Federal Filings – Carriers must maintain insurance filings such as Form E, Form H, MCS-90, or BMC-91X (for interstate authority) and ensure carrier name and USDOT/MC numbers are accurate on all certificates.
Information reflects minimum requirements as of 2025 and is for general reference only. Actual limits and filing obligations may vary by cargo type, route, operation size, or recent regulatory changes. Carriers should verify with the FMCSA, Mississippi DOT, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Mississippi?
In Mississippi, commercial truck insurance for a single-truck operation typically ranges from $10,000 to $14,000 per year, depending on driving history, cargo type, and operating radius. Local and regional haulers with clean records often pay closer to $9,500 annually, while long-haul or higher-risk carriers—especially those hauling freight across multiple states—may see higher premiums due to increased liability exposure.
Facts
Service area
Where we operate in Mississippi
GIA Group, LLC provides trucking insurance coverage across all of Mississippi, supporting carriers based in Jackson, Gulfport, Hattiesburg, Tupelo, Biloxi.
We understand key freight routes such as I-55, I-20, I-10, and U.S. 49, offering tailored coverage that keeps Mississippi truckers compliant, protected, and on the road.
