Commercial Truck Insurance
North Carolina
Covering freight from the Blue Ridge to the Banks
Whether the load runs along I-40 through Raleigh, moves auto parts down I-85 to Charlotte, or hauls containers from the Port of Wilmington, GIA Group, LLC builds policies that satisfy every FMCSA rule and North Carolina Division of Motor Vehicles (NCDMV) insurance filing.
Coverage
Who needs it
Serving North Carolina truckers of all types
Owner-operators – Leased-on or running under their own authority
New ventures – DOT/MC setup, IRP, and first-year filings
Small & mid-size fleets – 1–50 power units, intrastate or interstate
Large fleets – 50+ units; dedicated loss-control reviews and telematics credits
Port & intermodal carriers – Power-only and chassis operators at Wilmington & Morehead City
Agricultural & poultry haulers – Sandhills produce and Carolina broilers to regional processors
Dump & construction fleets – Aggregate and asphalt trucks on NCDOT projects
Reefer & grocery distributors – Temperature-controlled loads across the Southeast
Our advantages
Requirements
North Carolina truck-insurance requirements
Liability limits
$750 K general freight
$1 M oil
$5 M placarded HM (49 CFR 387 adopted by NC)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods carriers) filed electronically with NCDMV.
Interstate proof — BMC-91X / MCS-90 filed with FMCSA before the authority is active.
Cargo insurance — Required for intrastate household-goods movers; shippers typically mandate ≥ $100 K for other freight.
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, operation radius, or regulatory updates. Carriers should verify current requirements with the FMCSA, North Carolina Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in North Carolina?
Most motor carriers pay $8,000–$17,000 per tractor per year. Rates trend higher on the I-85 corridor and lower in rural eastern counties. We shop several carriers to find the best blend of price and protection.
Facts
Service area
Where we operate in North Carolina
GIA Group, LLC supports carriers across North Carolina—from the coast to the mountains—covering port and rail drayage in Wilmington and Morehead City, high-volume corridors along I-95, I-85, I-40, I-77, and I-26, and metro hubs including Charlotte, Raleigh–Durham, Greensboro–Winston-Salem (Piedmont Triad), Fayetteville, Asheville, Wilmington.
We work with intrastate and interstate operations—dry van, reefer, flatbed, heavy haul, and specialized—moving freight across NC–SC–VA–TN lanes, with paperwork and COIs tuned to shipper and port requirements.
