Commercial Truck Insurance
Ohio
Keeps Ohio’s freight moving from the Great Lakes to the Heartland
At GIA Group, LLC, we help Ohio-based truck drivers and fleets secure dependable insurance that meets state and federal requirements. While you’re running freight through Columbus, Cincinnati, Cleveland, or small towns along I-70, we help protect your trucks, cargo, and business with speed and clarity.
Success Stories
Client's case | Price per truck |
|---|---|
General Freight – Auto Liability, Cargo Liability, Physical Damage | $12,500 |
Auto Hauler – Non-Trucking Liability, Physical Damage | $2,700 |
General Freight – General Liability, Auto Liability, Cargo Liability, Non-Owned Trailer Physical Damage, Physical Damage | $19,400 |
Coverage
Who needs it
Serving Ohio truckers of all types
Owner-operators – Leased-on or running under their own authority
Fleets – From 2 units to 50+, scalable policies and flexible terms
New ventures – Guidance for newly registered MC or DOT operators
Specialty operations – Car haulers, flatbeds, dump trucks, heavy equipment movers
Box trucks & Amazon Relay drivers – Coverage aligned with contract needs and last-mile freight
Our advantages
Requirements
Ohio truck insurance requirements
Ohio trucking businesses must comply with both state and federal laws, including:
Liability Insurance Minimums:
$750,000 for general freight
$1,000,000 for hazardous materials
$300,000 for light vehicles under 10,001 lbs
Motor Truck Cargo Insurance – Required for household goods movers or contracts with brokers
Filings:
Form E – State liability filing for OH intrastate authority
Form H – Cargo proof when required
MCS-90 / BMC-91X – FMCSA compliance for interstate operators
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual insurance limits and filing obligations may vary by cargo type, fleet size, or regulatory updates. Carriers should verify current requirements with the FMCSA, Ohio Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Ohio?
Ohio is a moderately priced state for commercial truck insurance. Costs vary by operation type, radius, driving record, and cargo risk. On average:
Expect $8,000 – $16,000 per truck annually, with better rates for clean DOT histories and local freight.
We’ll help you build a policy that protects your business without overpaying.
Facts
Service area
Trucking insurance across Ohio roads
We provide Ohio commercial-auto coverage statewide, including these major freight hubs: Columbus, Cleveland, Cincinnati, Dayton, Toledo, Akron — plus every warehouse district, rail ramp, and cross-dock in between.
Our reach goes beyond Ohio. GIA Group, LLC is licensed in multiple states, delivering consistent commercial truck coverage wherever your routes run.
