Protect your trucks, business, and liability on every call.
Tow truck operators face high-risk situations every day—from roadside accidents to vehicle storage and recovery. At GIA Group, LLC, we provide customized tow truck insurance that meets legal requirements, satisfies motor club contracts, and protects your operation from unexpected claims.
Coverage
Coverage | Why it matters |
|---|---|
Auto Liability | Required coverage for damages or injuries caused to others |
Physical Damage | Protects your tow truck from collisions, fire, or theft |
On-Hook Towing Coverage | Covers customer vehicles while they’re being towed |
Garagekeepers Legal Liability | Covers stored vehicles at your lot (if applicable) |
General Liability | Covers accidents unrelated to driving (e.g., slips, on-site damage) |
Medical Payments | Optional coverage for driver/passenger injury |
Uninsured / Underinsured Motorist | Protection when other drivers don’t carry enough insurance |
Workers' Compensation or Occupational Accident | Covers medical expenses and lost income for driver injuries |
Quote
What's needed for a quote
We streamline the process so you can get back to work. Here’s what to have ready:
Driver’s license and business type (LLC, corp, etc.)
VIN, year, make, and model of your tow trucks
Description of services (repossession, roadside, impound, etc.)
Storage lot details (if applicable)
Current insurance info (if renewing)
Success Stories
Client success in truck coverage
We insure towing businesses in urban and rural areas, working with both contracted and independent operators.
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 Tow Truck Insurance cost?
Rates vary depending on services offered, operating area, and claim history. On average, tow truck insurance ranges from $7,000 to $14,000 per truck per year, with higher rates for 24-hour, repo, or storage-based operations.
These are estimates only—fill out our quick contact form to get started. We compare top-rated carriers to find the most affordable, compliant solution for your towing business.
Our advantages
Fast certificates and policy updates
when you need them
Agents who understand trucking
and business-specific requirements
Scalable policies
for fleets of 1 to 20+ trucks
Specialty endorsements
available for repo, storage, and mobile mechanic add-ons
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
