Commercial Truck Insurance
Wisconsin
From dairy roads to I-94 freight corridors—coverage that keeps Badger State rigs rolling
Cheese tankers out of Green Bay, timber flats in the Northwoods, and intermodal containers moving through the Milwaukee rail ramps all face different risks—but every one must satisfy Wisconsin’s insurance rules and federal FMCSA regulations. GIA Group, LLC builds customized programs that check every box with the Wisconsin Department of Transportation (WisDOT) Motor Carrier Insurance Filing system.
Success Stories
Client case | Price per truck |
|---|---|
General Freight, Non Trucking Liability, Physical Damage | $2,400 |
Coverage
Who needs it
Who we serve across the Badger state
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, regional or long-haul.
Large fleets — 50 + units; dedicated loss-control reviews and telematics discounts.
Agriculture & dairy haulers — Milk, feed, grain, and livestock carriers statewide.
Forestry & flatbed — Logs and dimensional lumber from the Northwoods south to IL mills.
Intermodal & rail-ramp carriers — Power-only and chassis ops at Milwaukee & Chippewa Falls terminals.
Reefer & food-grade — Temperature-controlled loads for frozen foods and cheese exports.
Our advantages
Requirements
Wisconsin insurance & filing requirements
Liability limits
$750 K CSL general freight
$1 M oil or medical waste
$5 M placarded haz-mat (WisDOT adoption of 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods carriers) filed by insurer via the WisDOT Motor Carrier online portal.
Interstate proof — BMC-91X / MCS-90 must be recorded with FMCSA before authority activation.
Cargo insurance — Mandatory only for household-goods movers intrastate; most shippers require ≥ $100 K for other freight.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual insurance limits and filing obligations may vary depending on cargo type, fleet size, or regulatory updates. Carriers should verify current requirements with the FMCSA, Wisconsin Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Wisconsin?
For-hire carriers typically spend $8,000 – $17,000 per tractor per year. Premiums trend higher on long-haul I-94 lanes or haz-mat milk-run corridors, and lower on intrastate agricultural routes. GIA shops several A-rated markets to secure the best blend of price and protection.
Facts
Service area
Serving Wisconsin truckers across the state
We write Wisconsin commercial-auto coverage statewide, including these freight hubs: Milwaukee, Madison, Green Bay, Eau Claire, La Crosse — plus every dairy plant, lumber mill, and I-94 / I-39 logistics corridor in between.
