Commercial Truck Insurance
New Jersey
Comprehensive coverage for New Jersey’s ports, turnpikes, and freight corridors
At GIA Group, LLC, we help New Jersey truckers and fleet owners find reliable, compliant insurance solutions that keep freight moving—whether you're operating in Newark, Elizabeth, Camden, or across the Northeast corridor. From last-mile delivery to long-haul cargo, we build policies that match your routes and risks.
Success Stories
Client’s case | Price per truck / year |
General Freight – General Liability, Cargo Liability, Trailer Interchange, Physical Damage | $4,000 |
Auto Hauler – Auto Liability | $7,200 |
General Freight – General Liability, Cargo, Trailer Interchange | $14,025 |
Cargo Van General Freight – Auto Liability, Cargo, Physical Damage | $9,200 |
General Freight – Non-Trucking Liability, Physical Damage | $1,700 |
Coverage
Who needs it
Serving New Jersey truckers of all types
Owner-operators – Leased-on or with your authority.
Fleets – 2 to 50+ units, with easy scaling and claims support.
Specialty operators – Dump trucks, auto haulers, flatbeds, hotshots, refrigerated goods.
Box truck & last-mile delivery drivers – Fully Amazon Relay-ready policies available.
Our advantages
Requirements
New Jersey truck insurance requirements
To operate legally in New Jersey, trucking companies must meet both state and federal coverage standards:
Liability Insurance Minimums:
$750,000 for most freight carriers
$1 million for hazmat carriers
$300,000 for vehicles under 10,001 lbs
Motor Truck Cargo Insurance – Required for carriers hauling household goods or as specified in broker contracts
Required Filings:
Form E (State Liability Filing)
Form H (Cargo, if applicable)
MCS-90 / BMC-91X (for FMCSA compliance)
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual limits and filing obligations may vary by cargo type, operation radius, or regulatory updates. Carriers should verify current requirements with the FMCSA, New Jersey Motor Vehicle Commission, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in New Jersey?
New Jersey trucking insurance rates vary by your business size, cargo, and compliance history. Urban congestion and accident frequency can lead to increased premiums, particularly near ports and intermodal yards.
Most policies range from $9,000 to $18,000 per truck annually. Clean records, local operations, and ELD usage may help lower costs.
Facts
Service area
Insurance for truckers across New Jersey
We provide New Jersey commercial-auto coverage statewide, including these major freight hubs: Newark, Jersey City, Elizabeth, Trenton, Camden, Paterson — plus every port, rail ramp, and turnpike distribution corridor in between.
Our service isn’t limited to New Jersey. GIA Group, LLC is licensed in multiple states, delivering consistent protection whether hauling containers through Newark, running freight along the I-95 corridor, or managing distribution hubs in Pennsylvania and beyond.
