Commercial Truck Insurance
Nevada
Coverage crafted for Nevada’s freight lanes and desert routes
From I-15 and I-80 freight corridors through Las Vegas, Reno, and Elko to regional hauls serving mining, manufacturing, and logistics hubs, GIA Group, LLC delivers trucking insurance programs that meet FMCSA requirements and Nevada Department of Motor Vehicles (DMV) motor-carrier insurance standards.
Coverage
Who needs it
Serving Nevada truckers of all types
Owner-operators – Independent drivers hauling freight along I-15, I-80, and U.S. 95 through Las Vegas, Reno, and Elko.
Fleet owners – Small and mid-size carriers operating regional and long-haul routes across the Southwest.
Construction & heavy equipment haulers – Fleets transporting materials, aggregates, and machinery for Nevada’s growing infrastructure projects.
Mining & industrial support fleets – Trucks serving the mining and materials industries throughout northern Nevada.
Refrigerated & dry van operators – Carriers moving temperature-controlled and general freight statewide and beyond.
Port & intermodal carriers – Operators connecting freight between California, Nevada, and neighboring logistics hubs.
Local & regional haulers – Drivers handling deliveries across urban and rural routes in Las Vegas, Henderson, and Sparks.
Tow, dump & specialty fleets – Specialized operators requiring customized coverage and fast certificate service.
Our advantages
Requirements
Nevada truck insurance requirements
Operating a commercial truck in Nevada involves compliance with both federal and state insurance and filing obligations:
Federal Liability Minimums – For interstate freight carriers, the Federal Motor Carrier Safety Administration (FMCSA) minimum typically requires at least $750,000 combined single-limit (CSL) auto liability coverage for non-hazardous property operations.
State-Level Minimums (Intrastate) – Nevada law mandates commercial auto policies carry minimum liability limits of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage for many business vehicles.
Upcoming Legislation – Senate Bill 180, passed by the Nevada Senate in 2025, if enacted, will gradually raise intrastate liability minimums for vehicles over 26,000 lbs from $750,000 to $1,500,000 by 2030.
State & Federal Filings – Proof of insurance must be accompanied by the correct filings and authority documents (e.g., FMCSA’s MCS-90/BMC-91X) and must reflect the current name, USDOT/MC number, and classification for the Nevada operation.
This information reflects minimum requirements as of 2025 and is provided for general reference only. Actual coverage needs and filing obligations may vary by cargo type, fleet size, operation radius, or regulatory changes. Carriers should verify current requirements with the FMCSA, the Nevada Department of Motor Vehicles or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Nevada?
In Nevada, commercial truck insurance costs typically range from $11,000 to $15,000 per year for a single-truck operation, depending on factors such as cargo type, operating radius, and driver experience. Local and regional carriers based around Las Vegas or Reno often pay toward the lower end of that range, while long-haul and high-risk freight operators may face higher premiums due to greater exposure and route complexity.
Facts
Service area
Where we operate in Nevada
GIA Group, LLC provides coverage for trucking operations across Nevada, including Las Vegas, Henderson, Reno, Sparks and Elko.
We assist carriers hauling freight along major routes like I-15, I-80, and U.S. 95, offering competitive insurance solutions that keep Nevada truckers compliant and protected across every mile.
