Commercial Truck Insurance
New Hampshire
Coverage designed for New Hampshire’s highways, hills, and hauling routes
From I-93 and I-89 freight runs through Concord and Manchester to logging and regional deliveries across the White Mountains, GIA Group, LLC provides trucking insurance that meets FMCSA requirements and New Hampshire Department of Safety (DOS) motor-carrier insurance standards.
Coverage
Who needs it
Serving New Hampshire truckers of all types
Owner-operators – Independent drivers hauling freight along I-93, I-89, and U.S. 3 through Concord, Manchester, and Nashua.
Fleet owners – Small and mid-size carriers running regional and long-haul routes across New England.
Logging & lumber haulers – Trucks transporting timber and wood products from northern forests to mills and ports.
Refrigerated & dry van operators – Carriers moving food, beverages, and consumer goods throughout the Northeast.
Construction & equipment haulers – Fleets delivering heavy machinery and building materials to infrastructure projects statewide.
Local & regional haulers – Drivers serving warehouses, manufacturing centers, and border freight crossings.
Agricultural & produce haulers – Operators transporting farm products and supplies across rural routes.
Tow, dump & specialty fleets – Specialty carriers needing flexible, dependable coverage and quick certificates.
Our advantages
Requirements
New Hampshire truck insurance requirements
Operating a commercial truck in New Hampshire means complying with both federal and state requirements:
Federal Minimums – Freight carriers in interstate commerce generally must carry at least $750,000 combined single-limit (CSL) liability coverage under Federal Motor Carrier Safety Administration (FMCSA) standards for non-hazardous property operations.
State Minimums (Intrastate) – For commercial vehicles operating within New Hampshire, minimum liability insurance limits include $25,000 bodily injury per person, $50,000 for all persons injured in one accident, and $25,000 property damage.
State & Federal Filings – Carriers must maintain proof of liability coverage and required filings (e.g., BMC-91X/MCS-90 for interstate operations) and must align certificates with the motor-carrier details on file with state authorities.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual insurance limits and filing obligations may vary based on cargo type, fleet size, or regulatory changes. Carriers should verify details with the FMCSA, New Hampshire Bureau of Motor Vehicles, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in New Hampshire?
In New Hampshire, truck insurance for a single-truck operation generally costs between $10,000 and $14,000 per year, depending on driving record, cargo type, and mileage radius. Local and regional haulers operating within New England typically pay less, while long-haul or cross-border carriers may face higher premiums due to increased exposure and regulatory requirements.
Facts
Service area
Where we operate in New Hampshire
GIA Group, LLC serves trucking operations throughout New Hampshire, including Manchester, Concord, Nashua, Portsmouth.
We provide tailored coverage for carriers along major routes such as I-93, I-89, and U.S. 3, helping New Hampshire truckers stay compliant, insured, and ready for every haul across the region.
