Commercial Truck Insurance
West Virginia
Coverage built for West Virginia’s hills, highways, and hauling routes
From coal and timber hauls through Charleston and Beckley to freight runs along I-64 and I-79, GIA Group, LLC provides insurance programs that keep West Virginia truckers covered and compliant. With experience in mountain routes and regional operations, our team delivers fast certificates, clear pricing, and reliable protection that helps carriers stay on the road and in business.
Coverage
Who needs it
Serving West Virginia truckers of all types
Owner-operators – Independent drivers hauling freight along I-64, I-77, and I-79 through Charleston, Beckley, and Morgantown.
Fleet owners – Small and mid-size carriers operating regional and long-haul routes across Appalachia and the Mid-Atlantic.
Coal & energy fleets – Trucks serving mining, drilling, and fuel transport operations across the state’s mountain regions.
Timber & logging haulers – Carriers moving raw timber and lumber products from rural forests to mills and distribution centers.
Construction & equipment haulers – Fleets transporting materials and heavy machinery for infrastructure and road projects.
Refrigerated & dry van operators – Drivers hauling food, retail goods, and general freight statewide.
Local & regional haulers – Operators serving industrial hubs, warehouses, and regional delivery routes.
Dump, tow & specialty fleets – Specialized operations needing dependable coverage and quick certificate turnaround.
Our advantages
Requirements
West Virginia truck insurance requirements
Operating a commercial truck in West Virginia requires compliance with both federal and state standards:
Federal Minimums (Interstate) – The FMCSA requires at least $750,000 CSL liability coverage for non-hazardous property carriers.
State Minimums (Intrastate) – The West Virginia Public Service Commission (PSC) mandates a $300,000 CSL minimum for in-state property carriers, with higher limits for hazardous materials.
Cargo Coverage – PSC authority may require cargo insurance of $5,000 per vehicle, depending on freight type.
Required Filings – Carriers must maintain accurate filings (e.g., Form E, MCS-90, BMC-91X) with both the PSC and FMCSA.
Information reflects minimum requirements as of 2025 and is for general reference only. Actual limits may vary by cargo, fleet size, or regulation. Verify details with the FMCSA, West Virginia PSC, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in West Virginia?
In West Virginia, commercial truck insurance for a single-truck operation typically ranges from $10,000 to $14,000 per year, depending on cargo type, driving history, and operating distance. Local and regional haulers with clean safety records often pay closer to $9,500 annually, while long-haul or hazardous material carriers may face higher premiums due to increased exposure and filing requirements.
Facts
Service area
Where we operate in West Virginia
GIA Group, LLC provides trucking insurance coverage throughout West Virginia — serving major freight hubs such as Charleston, Huntington, Morgantown, Parkersburg, and Wheeling. We assist carriers running along I-64, I-77, and I-79, offering tailored coverage that helps West Virginia truckers stay protected, compliant, and ready for the next load.
