Commercial Truck Insurance
Utah
Coverage built for canyon grades, salt flats, and I-15 freight lanes
From intermodal loads at Salt Lake City’s Inland Port to crude hauls in the Uinta Basin and livestock runs across the high desert, GIA Group, LLC tailors insurance programs that satisfy both FMCSA rules and Utah Department of Transportation (UDOT) Motor-Carrier insurance filings.
Success Stories
Client case | Price per truck |
|---|---|
Non-truck liability and physical damage | $3,200 |
Straight Truck, new venture, commercial auto package | $12,350 |
Coverage
Who needs it
Serving Utah truckers of all types
Owner-operators — Leased-on or running under their own authority
New ventures — DOT/MC setup, UCR, IRP plates, and first-year filings
Small & mid-size fleets — 1 – 50 power units, regional or long-haul
Large fleets — 50 + units; dedicated loss-control reviews & telematics credits
Energy & mining haulers — Crude, sand, and heavy-equipment moves in the Uinta & Paradox Basins
Intermodal & rail ramp carriers — Power-only and chassis operators at SLC Inland Port
Agriculture & livestock — Cattle, hay, and grain moving from Cache Valley to national markets
Reefer & food-grade — Frozen foods and dairy outbound from Northern Utah processors
Our advantages
Requirements
Utah insurance & filing requirements
Liability limits
$750 K CSL general freight
$1 M oil
$5 M placarded HM (49 CFR § 387 limits adopted by UDOT)
Intrastate proof — Form E (liability) filed by insurer with UDOT Motor-Carrier Division.
Interstate proof — BMC-91X / MCS-90 on record with FMCSA before authority activation.
Cargo insurance —Mandatory only for household-goods movers intrastate; most shippers require ≥ $100 K.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual coverage limits and filing obligations may vary by cargo type, operation radius, or regulatory changes. Carriers should verify current requirements with the FMCSA, Utah Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Utah?
Most for-hire carriers pay $8,000 – $17,000 per tractor per year. Premiums trend higher on crude-oil and long-haul lanes, lower on intrastate agricultural routes. We shop several markets to secure the best blend of rate and protection.
Facts
Service area
Where we operate in Utah
We write Utah commercial-auto coverage statewide, including these key freight hubs: Salt Lake City, Provo, Ogden, St., George, Logan.
We cover major corridors on I-15, I-80, I-70, I-84, and key routes like US-6 and US-191, with freight moving across UT–ID/NV/AZ/CO/WY lanes. Operations include intermodal/rail drayage, regional linehaul, reefer, flatbed/steel, bulk/energy, and specialized/heavy haul. COIs and filings are tuned to shipper and port requirements so trucks stay loaded and compliant.
