Commercial Truck Insurance Pennsylvania
Trusted coverage for Pennsylvania’s highways, hubs, and heavy hauls
At GIA Group, LLC, we provide Pennsylvania truck drivers and fleet operators with tailored commercial truck insurance coverage that keeps their operations moving—whether you're hauling across Philadelphia, Pittsburgh, Allentown, or rural PA highways. From local delivery trucks to long-haul semis, we understand the risks Pennsylvania truckers face and offer protection that fits.
Success Stories
Client’s case | Price per truck |
|---|---|
Auto Hauler – Auto Liability | $5,600 |
Cargo Van General Freight – Auto Liability, Physical Damage | $2,100 |
Building Materials – General Liability, Auto Liability, Cargo Liability | $12,750 |
General Freight – Cargo Liability, Physical Damage, Trailer Interchange | $3,150 |
Cargo Van General Freight – Auto Liability, Cargo, Physical Damage | $6,900 |
Coverage
Who needs it
Serving Pennsylvania truckers of all types
Owner-operators – Personalized policies with flexible terms.
Small to large fleets – Scalable options for growing operations.
New authorities – Support for new ventures and first-time DOT applicants.
Specialty haulers – Coverage for dump trucks, tow trucks, car haulers, flatbeds, and more.
Amazon Relay & freight brokers – Policies designed to meet load board and contract requirements.
Our advantages
Requirements
Pennsylvania truck insurance requirements
Operating a commercial truck in Pennsylvania requires compliance with both state and federal insurance standards:
Federal Minimums (Interstate) – The FMCSA requires at least $750,000 CSL liability coverage for non-hazardous freight.
State Minimums (Intrastate) – The Pennsylvania Public Utility Commission (PUC) mandates a $750,000 minimum for property carriers over 10,000 lbs GVWR, with higher limits for hazardous or household goods.
Cargo Coverage – A cargo minimum of $5,000 per vehicle applies to most intrastate carriers.
Required Filings – Carriers must maintain accurate proof of insurance and filings (e.g., MCS-90, BMC-91X, Form H) with both the FMCSA and PUC.
Information reflects minimum requirements as of 2025 and is for general reference only. Actual limits and filing obligations may vary. Verify details with the FMCSA, PA PUC, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Pennsylvania?
Pennsylvania truck insurance rates vary depending on your driving history, operating radius, cargo type, and truck model. On average, coverage ranges from $8,500 to $15,000 per truck annually, with lower rates available for experienced drivers and clean records. Let our team help you find the best fit and price.
Facts
Service area
Commercial truck insurance statewide in Pennsylvania
We write Pennsylvania commercial auto insurance statewide, including these key freight hubs: Philadelphia, Pittsburgh, Harrisburg, Allentown, Erie — and every shipper, rail ramp, and distribution corridor in between.
Our reach goes beyond Pennsylvania. GIA Group, LLC is licensed in multiple states, offering consistent coverage wherever your business takes you.
