Commercial Truck Insurance
Rhode Island
Coverage tailored for Rhode Island’s ports, freight lanes, and coastal routes
From I-95, freight runs through Providence to port deliveries in Quonset and coastal hauls along U.S. 1, GIA Group, LLC provides trucking insurance programs that meet FMCSA requirements and Rhode Island Department of Transportation (RIDOT) motor-carrier standards. Local and regional carriers across the Ocean State rely on GIA Group, LLC for fast certificates, competitive rates, and dependable coverage that keeps freight moving.
Coverage
Who needs it
Serving Rhode Island truckers of all types
Owner-operators – Independent drivers hauling freight along I-95 and U.S. 1 through Providence, Warwick, and Pawtucket.
Fleet owners – Small and mid-size carriers managing regional routes across New England.
Port & intermodal carriers – Trucks serving the Port of Providence and nearby distribution hubs.
Refrigerated & dry van operators – Carriers transporting food, seafood, and consumer goods throughout the Northeast.
Construction & equipment haulers – Fleets delivering heavy machinery and building materials across Rhode Island’s infrastructure projects.
Local & regional haulers – Drivers managing short-haul freight between Rhode Island, Massachusetts, and Connecticut.
Specialty & LTL carriers – Operators handling smaller loads, expedited deliveries, and last-mile freight.
Tow, dump & service fleets – Specialized operators depending on tailored coverage and quick certificate turnaround.
Our advantages
Requirements
Rhode Island truck insurance requirements
Operating a commercial truck in Rhode Island requires compliance with both federal and state insurance and filing obligations:
Federal Liability Minimums (Interstate) – For property-carrying carriers operating across state lines, the Federal Motor Carrier Safety Administration (FMCSA) generally mandates a minimum liability of $750,000 combined single limit (CSL).
State Minimums (Intrastate) – For operations solely within Rhode Island, liability minimums include $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.
Enhanced Limits by Cargo Type – Depending on freight type, Rhode Island’s intrastate carriers may require higher limits: general freight ~$750,000; oil transport ~$1,000,000; hazardous materials up to ~$5,000,000.
State & Federal Filings – Carriers must maintain accurate insurance filings aligned with authority details (e.g., vehicle weight class, USDOT/MC numbers) and meet both Rhode Island and FMCSA requirements.
Information reflects minimum requirements as of 2025 and is for general reference only. Actual insurance limits and filing obligations may vary by cargo type, fleet size, or recent regulatory changes. Carriers should verify current requirements with the FMCSA, Rhode Island DMV/Division of Motor Carriers, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Rhode Island?
In Rhode Island, commercial truck insurance for a single-truck operation typically ranges from $12,000 to $17,000 per year, reflecting the state’s dense traffic areas and higher accident exposure. Costs vary based on driving record, operating radius, and cargo type. Local and short-haul carriers often pay less, while long-haul and high-value freight operators face higher premiums due to increased risk and regulatory filings.
Facts
Service area
Where we operate in Rhode Island
GIA Group, LLC serves trucking operations throughout Rhode Island — including Providence, Warwick, Cranston, Pawtucket and Woonsocket.
We support carriers running freight along I-95, I-195, and U.S. 6, providing coverage that meets FMCSA standards and helps Rhode Island truckers stay compliant and protected on every route.
