Commercial Truck Insurance
Washington
Protection tailored for Evergreen State freight
From drayage moves at the Ports of Seattle-Tacoma, to timber hauls across the Cascades, to I-5 refrigerated loads bound for Vancouver, GIA Group, LLC finds insurance programs that satisfy both FMCSA rules and every Washington Utilities & Transportation Commission (UTC) filing requirement.
Coverage
Who needs it
Who we serve across the Evergreen state
Owner-operators — Leased-on or running under their own authority.
New ventures — DOT/MC setup, UCR, IRP plates, and UTC insurance filings.
Small & mid-size fleets — 1–50 power units, regional or long-haul.
Large fleets — 50 + units; quarterly loss-analysis and telematics-driven credits.
Port & intermodal carriers — Power-only and chassis operators at NWSA terminals.
Timber & forestry haulers — Log trucks and chip vans out of Grays Harbor & Spokane regions.
Reefer & food-grade operators — Produce, seafood, and frozen foods along the I-5 corridor.
Haz-mat & bulk energy — Fuel and LPG haulers requiring MCS-90 and higher limits.
Our advantages
Requirements
Washington insurance & filing requirements
Liability limits (intrastate)
$750 K CSL general freight
$1 M oil
$5 M placarded HM (UTC adoption of 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods carriers) e-filed by insurer with the UTC.
Interstate proof — BMC-91X / MCS-90 on record with FMCSA before authority activation.
Workers’ comp — Must be purchased through Washington State Fund; stop-gap Employers Liability added by endorsement.
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, fleet size, or regulatory updates. Carriers should verify current requirements with the FMCSA, Washington State Department of Licensing, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Washington?
Most for-hire carriers spend $9,000 – $19,000 per tractor each year. Rates edge higher on haz-mat, long-haul I-5 traffic, and port drayage; intrastate ag or timber lanes trend lower. GIA shops several A-rated markets to secure the right blend of price and protection.
Facts
Service area
Serving truckes across Washington state
We provide Washington commercial auto coverage statewide, including these major freight hubs: Seattle, Tacoma, Spokane, Vancouver, Yakima, Everett — plus every inland port, rail ramp, and I-5 / I-90 logistics corridor in between.
