Commercial Truck Insurance
Nebraska
Reliable coverage for Nebraska’s highways and Heartland hauls
From I-80 freight runs through Omaha and Lincoln to grain and livestock routes across the Plains, GIA Group, LLC provides coverage that meets FMCSA standards and Nebraska DMV motor-carrier insurance requirements.
Coverage
Who needs it
Serving Nebraska truckers of all types
Owner-operators – Independent drivers hauling freight along I-80 through Omaha, Lincoln, and Grand Island.
Fleet owners – Small and mid-size carriers managing regional and long-haul routes across the Midwest and Great Plains.
Agricultural & livestock haulers – Carriers transporting grain, feed, and cattle from rural farms to major processors.
Construction & equipment haulers – Fleets moving materials, heavy machinery, and aggregates statewide.
Refrigerated & dry van operators – Drivers hauling food, produce, and general freight across the region.
Energy & utility support fleets – Trucks serving Nebraska’s growing renewable energy and infrastructure sectors.
Local & Regional haulers – Operators covering distribution centers and rural delivery routes across the state.
Dump, tow & specialty fleets – Specialized operators needing dependable commercial auto protection and quick certificates.
Our advantages
Requirements
Nebraska truck insurance requirements
Operating a commercial truck in Nebraska requires compliance with both federal and state regulations:
Federal Liability Minimums (Interstate) – Carriers engaging in interstate commerce are required by the Federal Motor Carrier Safety Administration (FMCSA) to maintain minimum liability coverage of $750,000 combined single limit (CSL) for non-hazardous property operations.
State Proof of Financial Responsibility (Intrastate) – Under the Nebraska Department of Motor Vehicles (DMV) rules, commercial vehicles must carry a certificate of insurance issued by an insurance company authorized in Nebraska, showing liability coverage with vehicle details.
State & Federal Filings – Proof of liability and other coverage must be maintained and available for inspection. Certificates must list vehicle model and/or last three digits of the VIN per Nebraska DMV requirements.
This information reflects minimums as of 2025 and is provided for general reference only. Actual insurance requirements may vary based on cargo type, fleet size, operation radius, or regulatory changes. Carriers should verify current limits and filing obligations with the FMCSA, Nebraska DMV, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Nebraska?
In Nebraska, the average cost of commercial truck insurance for a single-truck operation ranges from $9,500 to $13,000 per year, depending on driving history, cargo type, and operating distance. Local agricultural and regional haulers often see lower rates due to reduced mileage and lower traffic density, while long-haul and multi-state operators typically pay more to meet federal liability requirements.
Facts
Service area
Where we operate in Nebraska
GIA Group, LLC provides trucking insurance coverage statewide, including Omaha, Lincoln, Grand Island, Kearney, Scottsbluff.
We support carriers running key routes such as I-80, U.S. 81, and U.S. 30, helping Nebraska truckers stay compliant, well-protected, and ready for every shipment.
