Semi-Truck Insurance That Works as Hard as You Do

Protect your truck. Cover your cargo. Keep business moving.

If you're leased or operating under your authority, GIA Group, LLC offers semi-truck insurance built for the realities of the road. Get fast quotes, clear coverage, and support from agents who speak your language.

Red semi-truck on highway symbolizing semi-truck insurance.
Red semi-truck on highway symbolizing semi-truck insurance.
Red semi-truck on highway symbolizing semi-truck insurance.

Coverage

What's covered with Semi-Truck Insurance

What's covered with Semi-Truck Insurance

We build each policy around your needs — no fluff, just real protection.

We build each policy around your needs — no fluff, just real protection.

Coverage type
Why it matters
Auto liability

Required for DOT compliance

Physical damage

Covers your tractor from accidents, theft, or fire

Cargo insurance

Covers the load in case of damage or loss

Bobtail / non-trucking liability

When you're off dispatch

General liability

Extra protection for business-related claims

Trailer interchange

Covers trailers you don’t own

Reefer breakdown

Coverage for temperature-sensitive loads

Occupational accident

Coverage for medical costs and lost income after injury (optional)

Insurance Carriers

Insurance companies we work with

Insurance Carriers

Insurance companies we work with

Insurance Carriers

Insurance companies we work with

Quote

What you’ll need to get a quote

No paperwork marathon here. Most quotes take under 10 minutes.

We may ask for:

  1. Driver’s license / CDL info

  2. DOT / MC number (if applicable)

  3. Vehicle details (VIN, year, make, model)

  4. Type of cargo and routes you run

  5. Prior insurance (if any)

Success Stories

Insurance wins on the road

From first-time owner-operators to growing fleets, GIA Group, LLC has helped trucking businesses across the U.S. secure the coverage they need to stay compliant, protected, and on the move. Every policy we write supports a real trucker’s journey—and we're proud to share a few of their wins.

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

January 2026

Cargo Van General Freight - Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 5,100

Illinois

January 2026

Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 13,700

Mississippi

January 2026

Towing Company - Cargo Liability

Price per truck

$ 1,600

Pennsylvania

January 2026

Cargo Van General Freight - Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 5,100

Illinois

January 2026

Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 13,700

Mississippi

January 2026

Towing Company - Cargo Liability

Price per truck

$ 1,600

Pennsylvania

January 2026

Cargo Van General Freight - Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 5,100

Illinois

January 2026

Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage

Price per truck

$ 13,700

Mississippi

January 2026

Towing Company - Cargo Liability

Price per truck

$ 1,600

Cost explanation

How much does Semi-Truck Insurance cost?

Rates vary based on your experience, driving history, and equipment, but semi-truck policies typically start around $9,000 to $16,000 annually per truck. We work with top-rated carriers to find the best fit and rate for your operation.

Aerial view of a coastal highway curving along the ocean, representing roadside assistance services

Stay protected wherever the road takes you

Through our exclusive partnership with RoadsideMASTERS.com, you get 24/7 nationwide roadside assistance—available across the U.S. and Canada. From towing to tire changes, your coverage goes the distance.

Aerial view of a coastal highway curving along the ocean, representing roadside assistance services

Stay protected wherever the road takes you

Through our exclusive partnership with RoadsideMASTERS.com, you get 24/7 nationwide roadside assistance—available across the U.S. and Canada. From towing to tire changes, your coverage goes the distance.

Aerial view of a coastal highway curving along the ocean, representing roadside assistance services

Stay protected wherever the road takes you

Through our exclusive partnership with RoadsideMASTERS.com, you get 24/7 nationwide roadside assistance—available across the U.S. and Canada. From towing to tire changes, your coverage goes the distance.

Our advantages

Why choose GIA Group, LLC for Semi-Truck Insurance?

Why choose GIA Group, LLC for Semi-Truck Insurance?

Fast COIs

when and where you need them

Fast COIs

when and where you need them

Agents who understand trucking

Agents who understand trucking

No extra fees

transparent pricing and variety of offers

No extra fees

transparent pricing and variety of offers

Flexible policies

for leased or owned equipment

Flexible policies

for leased or owned equipment

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.

White semi-truck with trailer driving on a mountain highway during daylight.

Feb 13, 2026

Fleet operations

Semi Truck Insurance Coverage: Costs, Compliance, Strategy

Semi truck insurance coverage: costs, compliance, and key protections explained.

Button

White semi-truck with trailer driving on a mountain highway during daylight.

Feb 13, 2026

Fleet operations

Semi Truck Insurance Coverage: Costs, Compliance, Strategy

Semi truck insurance coverage: costs, compliance, and key protections explained.

Button

White semi-truck with trailer driving on a mountain highway during daylight.

Feb 13, 2026

Fleet operations

Semi Truck Insurance Coverage: Costs, Compliance, Strategy

Semi truck insurance coverage: costs, compliance, and key protections explained.

Button

Truck loading safety with palletized cargo being staged at a warehouse loading dock before loading into a container truck

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

Truck loading safety with palletized cargo being staged at a warehouse loading dock before loading into a container truck

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

Truck loading safety with palletized cargo being staged at a warehouse loading dock before loading into a container truck

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

Row of semi-trucks covered in snow parked in a lot during winter.

Jan 19, 2024

Fleet operations

Winterizing Your Semi-Truck: Essential Tips for Safe Winter Operations

A comprehensive guide on winterizing semi-trucks.

Button

Row of semi-trucks covered in snow parked in a lot during winter.

Jan 19, 2024

Fleet operations

Winterizing Your Semi-Truck: Essential Tips for Safe Winter Operations

A comprehensive guide on winterizing semi-trucks.

Button

Row of semi-trucks covered in snow parked in a lot during winter.

Jan 19, 2024

Fleet operations

Winterizing Your Semi-Truck: Essential Tips for Safe Winter Operations

A comprehensive guide on winterizing semi-trucks.

Button

Person checking a weather forecast on a smartphone, representing route planning and safety awareness for truck drivers.

Dec 19, 2023

Fleet operations

Best Weather Apps for Truckers Safety and Insurance Cost Reduction

In this article, we explore the top weather apps for truckers in 2023.

Read more

Person checking a weather forecast on a smartphone, representing route planning and safety awareness for truck drivers.

Dec 19, 2023

Fleet operations

Best Weather Apps for Truckers Safety and Insurance Cost Reduction

In this article, we explore the top weather apps for truckers in 2023.

Read more

Person checking a weather forecast on a smartphone, representing route planning and safety awareness for truck drivers.

Dec 19, 2023

Fleet operations

Best Weather Apps for Truckers Safety and Insurance Cost Reduction

In this article, we explore the top weather apps for truckers in 2023.

Read more

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions

Get your quote today

Fast, simple, and tailored to your business.

Fill out the form, and our trucking insurance experts will contact you with the best options to protect your fleet and your bottom line.

By submitting data through this form, you agree to the Privacy Policy and the Terms and Conditions

© 2015 - 2026 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency

© 2015 - 2026 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency

© 2015 - 2026 • GIA Group, LLC • In California DBA: GIA Trucking Insurance Agency