Protect your fleet, your team, and the communities you serve—24/7.
Garbage trucks face tough working conditions: dense neighborhoods, tight routes, heavy loads, and constant starts and stops. GIA Group, LLC offers garbage truck insurance designed specifically for waste haulers, sanitation contractors, and municipal fleet operators—helping you meet contract requirements and stay protected every mile.
Coverage
Coverage | Why it matters |
|---|---|
Auto Liability | Required coverage for third-party bodily injury and property damage |
Physical Damage | Protects your garbage truck from collision, theft, fire, or vandalism |
General Liability | Covers non-driving incidents, like damage at disposal sites |
Medical Payments / Personal Injury Protection | Helps cover injuries to drivers or passengers |
Workers’ Compensation or Occupational Accident | Required in most contracts; covers injury on the job |
Uninsured / Underinsured Motorist | If another driver causes damage and doesn’t carry enough insurance |
Pollution Liability (optional) | Coverage for environmental incidents during waste hauling |
Quote
What's needed for a quote
We make quoting fast and accurate. To get started, have the following:
Business name and legal structure
Driver and vehicle info (VIN, year, make, model)
Type of waste or recycling hauled
Area of operation (city, county, state)
Prior insurance information (if applicable)
Success Stories
Real results from GIA clients
We insure independent haulers, subcontracted city routes, and specialty waste services across the U.S.
Please note
Every trucking operation is different, and so are insurance premiums. At GIA Group, we work hard to find the best possible rates and coverage for each client. These stories highlight results we’re proud of, though individual outcomes may vary.
Pennsylvania
February 2026
Auto Hauler - Auto Liability, Cargo Liability, Physical Damage.
Price per truck
$9,700
California
February 2026
General Freight - Non-Trucking Liability, Physical Damage.
Price per truck
$4,100
Illinois
February 2026
Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage, Non-Owned Trailer Physical Damage.
Price per truck
$13,700
Cost explanation
What does Garbage Truck Insurance cost?
Costs vary based on region, number of units, driving history, and type of material hauled. On average, garbage truck insurance ranges from $10,000 to $20,000 per vehicle per year, with higher rates for hazardous waste or specialty equipment.
These are estimates only—fill out our quick contact form to get started. We work with top-rated carriers who specialize in heavy commercial auto and municipal work.
Our advantages
Fast quotes & certificates
for municipal and subcontract bids
Strong coverage
that meets city, state, and landfill contract standards
Flexible policy options
for single trucks or expanding fleets
We know trucking
and understand route-based liability and downtime risks
Blog
Insights for every truck in your fleet
Explore the GIA Group, LLC blog for real-world tips on insuring semis, box trucks, dump trucks, tow trucks, and more. See how coverage and safety practices translate into better protection for every vehicle you run.
Mar 12, 2026
Fleet operations
Reefer Breakdown Coverage: Why It’s a Must for Refrigerated Freight
How reefer breakdown coverage helps carriers manage cargo loss when cooling systems fail.
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Feb 26, 2026
Fleet operations
Semi-Truck Insurance Cost: Monthly Breakdown and Key Factors
Understand semi-truck insurance cost and how monthly premiums are set.
Read more
Feb 13, 2026
Fleet operations
Semi Truck Insurance Coverage: Costs, Compliance, Strategy
Semi truck insurance coverage: costs, compliance, and key protections explained.
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Feb 5, 2026
Fleet operations
Truck Loading Safety Best Practices & Insurance Impact
Explore best practices for truck loading safety, it may lower risk and operational costs.
Read more
