Commercial Truck Insurance
North Dakota
Big-sky coverage for oil, grain & freight lanes
From Bakken crude tankers running U.S.-85, to grain hoppers rolling along I-94, to refrigerated loads bound for Fargo processors, GIA Group, LLC builds insurance programs that satisfy every FMCSA rule and the North Dakota Department of Transportation (NDDOT) filing requirements.
Coverage
Who needs it
Who we serve under the Big Sky
Owner-operators – Leased-on or operating under own authority.
New entrants – DOT/MC set-up, IRP plates, UCR & first-year filings.
Small & mid-size fleets – 1–50 power units, local or long-haul.
Large fleets – 50 + units; quarterly loss analysis & telematics credits.
Oilfield & energy service – Winch, tanker & hot-shot units in the Williston Basin.
Agriculture & livestock – Grain, beet & cattle haulers statewide.
Logging & flatbed – Timber, machinery & oversize loads across US-2.
Reefer & food-grade – Frozen potatoes & dairy headed to Midwest markets.
Our advantages
Requirements
North Dakota insurance & filing requirements
Liability limits (intrastate):
$750 K CSL general freight
$1 M oil
$5 M placarded HM (ND adopts 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) e-filed by insurer with NDDOT Motor-Carrier Services.
Interstate proof — BMC-91X / MCS-90 must be on record with FMCSA before authority activation.
Cargo insurance — Statutory only for household-goods carriers; most shippers require ≥ $100 K.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual coverage limits and filing obligations may vary by cargo type, operation radius, or regulatory changes. Carriers should verify current requirements with the FMCSA, North Dakota Department of Transportation, or a licensed insurance professional.
Cost explanation
How much does trucking insurance in North Dakota cost?
Most for-hire operators spend $9,000 – $18,000 per tractor each year. Premiums rise on haz-mat and oil-field lanes, while dropping on short-haul agricultural routes. GIA shops several markets to hit the best mix of rate and protection.
Facts
Service area
Serving North Dakota tuckers across the state
We insure North Dakota commercial rigs statewide, including these freight hubs: Bismarck, Fargo, Grand Forks, Minot, Williston — plus every Bakken well site, grain elevator, and I-94 / I-29 logistics corridor in between.
