Commercial Truck Insurance
South Carolina
Reliable coverage for South Carolina’s ports, highways, and freight corridors
At GIA Group, LLC, we help South Carolina trucking businesses stay protected with insurance that meets all federal and state requirements. Whether you're hauling cargo across Charleston’s ports, Columbia’s interstates, or rural Lowcountry roads, we provide clear, reliable coverage built for your route and risk level.
Success Stories
Client case | Price per truck |
|---|---|
Reefer – Auto Liability, Cargo, Physical Damage | $13,800 |
Dump Truck, Auto Liability, Cargo with Violations, and Accident | $4,500 |
Refrigerated goods hauler, liability, cargo with reefer breakdown and physical damage | $12,800 |
Long-haul trucking, refrigerated goods, liability, cargo, and physical damage | $8,700 |
Coverage
Who needs it
Serving South Carolina truckers of all types
Owner-operators – Whether leased-on or running under your authority.
Small & mid-sized fleets – Affordable, flexible plans that grow with your business.
Large fleets – 50+ power units, dedicated loss-control and safety-data reviews.
New ventures – Help with DOT/MC registration and initial filings.
Specialty haulers – Flatbeds, car haulers, dump trucks, and heavy equipment.
Box truck operators – Coverage that meets Amazon Relay and short-haul standards.
Our advantages
Requirements
South Carolina truck insurance requirements
To operate legally in South Carolina, you must meet these minimums:
Liability Coverage:
$750,000 for general freight
$1,000,000 for hazmat
$300,000 for smaller/lightweight vehicles
Cargo Insurance – Required for household goods movers or contract loads
Filing Requirements:
Form E – Proof of liability coverage for intrastate haulers
Form H – Proof of cargo insurance (if applicable)
MCS-90 / BMC-91X – FMCSA interstate carrier compliance
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, South Carolina Department of Motor Vehicles, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in South Carolina?
Costs vary by truck type, operating radius, and safety record. South Carolina rates are generally average for the Southeast, but pricing can vary significantly near major shipping corridors.
Most carriers pay between $8,000 and $16,000 per truck per year.
We’ll help you build a cost-effective policy with the protection you need.
Facts
Service area
Where we operate in South Carolina
We provide South Carolina commercial-auto coverage statewide, including these major freight hubs: Charleston, Columbia, Greenville, Spartanburg, Florence, Myrtle Beach — plus every port gate, inland port, and I-26 / I-95 distribution corridor in between.
