Commercial Truck Insurance
Oklahoma
Trusted coverage for Oklahoma’s highways, hubs, and hauling routes
From I-40 and I-35 freight runs through Oklahoma City and Tulsa to agricultural and energy hauls across the plains, GIA Group, LLC provides trucking insurance that meets FMCSA requirements and Oklahoma Corporation Commission (OCC) motor-carrier standards. With fast quotes, responsive service, and reliable protection, Oklahoma truckers trust us to keep their fleets covered and compliant mile after mile.
Coverage
Who needs it
Serving Oklahoma truckers of all types
Owner-operators – Independent drivers hauling freight along I-40, I-35, and U.S. 69 through Oklahoma City, Tulsa, and Muskogee.
Fleet owners – Small and mid-size carriers operating regional and long-haul routes across the South and Midwest.
Oilfield & energy fleets – Trucks supporting drilling, pipeline, and refinery operations across the state.
Agricultural & livestock haulers – Carriers transporting grain, feed, and cattle from rural farms to regional markets.
Construction & equipment haulers – Fleets moving aggregates, materials, and heavy machinery statewide.
Refrigerated & dry van operators – Drivers hauling food, beverages, and general freight across the region.
Local & regional haulers – Operators serving distribution centers, industrial zones, and port connections.
Dump, tow & specialty fleets – Specialized operations requiring customized commercial auto coverage and fast certificate service.
Our advantages
Requirements
Oklahoma truck insurance requirements
Operating a commercial truck in Oklahoma requires compliance with both federal and state-level insurance and filing obligations:
Federal Minimums (Interstate) – The Federal Motor Carrier Safety Administration (FMCSA) generally mandates a minimum liability coverage of $750,000 Combined Single Limit (CSL) for carriers hauling non-hazardous property interstate.
State Minimums (Intrastate/Commercial Vehicles) – Under Oklahoma law, commercial vehicles must maintain at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability coverage for standard business vehicles.
State & Federal Filings – Insurance certificates must be on file and aligned with carrier authority details (e.g., USDOT number, vehicle type) under both federal regulations and the Oklahoma Corporation Commission / state Department of Transportation oversight.
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, operation radius, or changes to regulation. Carriers should verify requirements with the FMCSA, Oklahoma Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Oklahoma?
In Oklahoma, the average cost of commercial truck insurance for a single-truck operation ranges from $9,000 to $13,000 per year, depending on driving history, cargo type, and operating radius. Local and oilfield haulers often pay toward the lower end, while long-haul or hazardous freight operators can see higher premiums due to increased liability exposure and filing requirements.
Facts
Service area
Where we operate in Oklahoma
GIA Group, LLC provides trucking insurance coverage across the entire state of Oklahoma — including Oklahoma City, Tulsa, Norman, Lawton and Enid.
We work with carriers operating along major freight corridors such as I-35, I-40, and I-44, helping Oklahoma truckers secure reliable, compliant, and competitively priced insurance coverage for every haul.
