Coverage forged for the Treasure State’s open roads
Whether you’re hauling cattle down US-2, pulling crude from the Bakken into Billings refineries, or running flatbeds over Homestake Pass on I-90, GIA Group, LLC provides insurance programs that satisfy every Federal Motor Carrier Safety Regulation and all Montana Motor Carrier Services (MCS) filing rules.
Coverage
Who needs it
Serving Montana truckers of all types
Owner-operators — Leased-on or running under their own authority
New entrants — DOT/MC set-up, IRP plates, UCR, Form E filings
Small & mid-size fleets — 1–50 power units, local or long-haul
Large fleets — 50 + units; quarterly loss analysis and telematics credits
Livestock & ag haulers — Cattle, wheat, barley and sugar-beet carriers
Logging & forest products — Log trucks, chip vans and low-boys in the Kootenai & Gallatin forests
Oilfield & energy service trucks — Winch, tanker and hot-shot units working the Williston Basin fringe
Reefer & food-grade — Frozen beef, dairy and produce moving to West-Coast markets
Our advantages
Montana licensed
fully authorized to insure trucking operations statewide
Multiple carrier access
competitive options from top commercial auto insurers
Requirements
Montana insurance & filing requirements
Liability limits (intrastate)
$750 K CSL general freight
$1 M oil
$5 M placarded HM (Montana adopts 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) e-filed by insurer with Montana MCS.
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 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 Montana?
Most for-hire operators spend $8,000 – $17,000 per tractor per year. Premiums run higher on haz-mat and mountainous long-haul lanes; intrastate ag routes trend lower. GIA shops several markets to hit the best mix of rate and protection.
Facts
≈ 4,300 interstate motor-carrier companies list Montana as their principal place of business, according to FMCSA’s July 2025 Registration Statistics dashboard.
ai.fmcsa.dot.gov
Montana’s 2022 State Freight Plan notes that highways/trucking move about 61 % of freight by value and 35 % by weight across the state.
Montana Department of Transportation
The same plan reports more than 73,000 center-line miles of roads, 78 % of which are in rural jurisdictions—highlighting the long-distance, low-density nature of Big Sky freight.
Montana Department of Transportation
Service area
Serving truckers across Montana
We write Montana commercial-auto coverage statewide, including these key freight hubs: Billings, Missoula
Great Falls, Bozeman, Kalispell — plus every grain elevator, log yard and I-90 / I-15 mountain corridor in between.
