Commercial Truck Insurance
Tennessee
Coverage that keeps volunteer state freight legal and moving
Whether hauling auto parts along I-40, poultry through the Cumberland Plateau, or intermodal containers out of the Memphis rail ramps, GIA Group, LLC designs insurance programs that satisfy both FMCSA rules and Tennessee Department of Revenue (TNDOR) intrastate authority filings.
Success Stories
Client case | Price per truck |
|---|---|
General Freight, Auto Liability | $13,000 |
Dry vans, liability, and cargo | $10,800 |
Dry vans, liability, cargo, and trailer interchange | $13,200 |
Cargo vans, liability, cargo, general liability, and physical damage | $5,600 |
Liability, cargo, and physical damage | $10,800 |
Coverage
Who needs it
Serving Tennessee truckers of all types
Owner-operators – Leased-on or running under their own authority
New ventures – DOT/MC setup, IRP plates, UCR, first-year filings
Small & mid-size fleets – 1–50 power units, intra- or interstate
Large fleets – 50 + units; dedicated loss-control reviews & telematics credits
Intermodal & rail ramps – Power-only and chassis operators in Memphis/Chattanooga
Agriculture & livestock haulers – Poultry, cattle, and grain across central TN
Flatbed & heavy-haul – Machinery, steel, and oversize loads needing higher limits
Reefer & food-grade – Temperature-controlled freight from the Nashville Basin
Our advantages
Requirements
Tennessee insurance & filing requirements
Liability limits – intrastate
$750 K CSL for carriers of non-hazardous property over 10 000 lbs GVWR;
$300 K CSL for carriers under 10 000 lbs GVWR;
$1 M oil; $5 M placarded haz-mat
Intrastate proof — Form E (liability) and Form H (cargo for general freight / household goods) filed by insurer with TNDOR Intrastate Authority.
Interstate proof — BMC-91X / MCS-90 filed with FMCSA (49 CFR § 387).
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, or recent regulatory updates. Carriers should verify current requirements with the FMCSA, Tennessee Department of Safety and Homeland Security, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Tennessee?
Most for-hire carriers pay $8,000 – $17,000 per tractor each year. Insurance trends higher on long-haul I-40/I-24 lanes and haz-mat routes, and lower on intrastate agricultural runs. GIA shops several markets to lock in the best mix of rate and protection.
Facts
Service area
Where we operate in Tennessee
We provide Tennessee commercial-auto coverage statewide, including these high-volume freight hubs: Memphis, Nashville, Chattanooga, Knoxville, Clarksville, Johnson City.
We cover high-volume corridors on I-40, I-24 (Monteagle), I-65, I-75, and I-81, plus key connectors across the Cumberland Plateau. Operations include intermodal/port drayage, regional linehaul, reefer, flatbed/steel, and specialized freight moving TN–GA/AL/KY/MS/AR/NC/VA lanes. COIs and filings are tuned to shipper, rail, and contract requirements so trucks stay loaded and compliant.
