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Compare Big Rig Insurance Coverage’s available and find insurance near you.
Lower rates for owner-operators
Owner-operator truck insurance customers may see up to 15% lower rates in our new program. Put these truckers savings in your pocket today by allowing us to help you.
Same day quotes and costs from multiple carriers. New ventures and fleets. We do DOT filings and MCS-90. We provide customized quotes to fit your specific coverage needs. Buy just what you need, nothing more just like at a mart. Get help now!
Common Types of Commercial Truck Insurance
Get Big Rig Insurance for state or federal mandated Primary Auto Liability, Bobtail, Physical Damage, Cargo Coverage, and General Liability with fast help & quick rate quotes. We help truckers from one owner operator to large Amazon haulers and last mile delivery. Get questions answered and get a commercial truck insurance review and online commercial truck insurance quote submitted.
Truck Insurance Primary Auto Liability is state and possibly federally mandated truck insurance coverage which protects from injury or damage to others as a result of a truck accident. Required to have active DOT#/MC#.
Truckers Physical Damage: Protection covering the repair or replacement of the truck, trailer or bus.
Motor Truck Cargo: Protection for the transporter for his/her responsibility in the event of damaged or lost freight that belongs to someone else. When big rig insurance reviews your policy we’ll make sure it is correctly setup.
Trailer Interchange: Coverage for the legal liability of truckers for damage or loss to non-owned trailers and equipment which insured’s possess, typically under a written trailer interchange agreement.
Non-Trucking Auto Liability: Provides limited liability Big Rig Insurance for truckers and owner operators who are leased permanently to an ICC regulated carrier. Also called Bobtail, Deadhead and a couple of other names.
ICC Authority: Interstate Operating Authority is permission that is granted by the federal government to transport freight across state lines.
Potential Big Rig Commercial Truck Insurance Discounts that may be available, including fleets.
Commercial Driver’s License (CDL) Discount – For-hire truck insurance customers who have had a Commercial Driver’s License (CDL) for at least two years can save on their auto liability coverage.
Business Experience Discount – Business auto & commercial truck and busing customers in business for more than three years may qualify. We will visit and review all possible discounts available.
Prior Insurance Discount – Your company could be eligible for additional savings if you’ve maintained continuous insurance coverage for the last 12 months.
Package Discount – Business Auto & Trucking and busing customers with an in-force General Liability (GL) or Business Owners Policy (BOP) could be eligible.
Paid In Full Discount – You can save if you decide to pay your total premium in one lump sum.
Truckers ELD Discount- If you agree to share the telematics data we may be able to get you between 5%-18% annual discount.
We offer some of the best truck insurance for owner operators available anywhere, including new authority truckers.
Take a break from insurance and watch some extreme trucking videos on YouTube.
“Big Rig Commercial Truck Insurance Quotes” Common Coverage’s offered Auto Liability, Cargo, Physical Damage and General Liability.
Primary Trucking Auto Liability—up to $5,000,000 combined single limit (depending on carrier)
- Non-trucking Liability (NTL – Bobtail – Deadhead)
- $300,000 CSL
- $500,000 CSL
- $750,000 CSL
- $1,000,000 CSL
- $1,500,000 Public Auto Limits
- $5,000,000 Public Auto Bus Limit
- Hired Auto
- Non-owned Auto
- Excess and/or umbrella liability up to $5,000,000
- Medical Payments (PIP Benefits) (where applicable)
- Uninsured/Underinsured Motorist
- Blanket Lessee
- Pollution Buyback
- Physical Damage:
- Collision, Comprehensive or Specified perils
- Aggregate and combined deductibles
- Rental reimbursement
- Personal effects for drivers
- Towing coverage
Potential Truck Insurance Coverage available:
- Refer breakdown
- Wetness and dampness
- Loading and Unloading
- Debris removal
- Pollution clean up
- Aggregate deductibles
- Earned freight charges
- High valued commodities
- Truckers and Owner Operators General Liability: $1,000,000 Occurrence; possibly up to $2,000,000 Aggregate
- Commercial Property Insurance
- Surety Bonds
- Workers’ Compensation
- Occupational Accident Coverage
We have specialized programs for many types of commercial big rig trucks, straight trucks, box trucks and New Ventures or New Startups including:
- Local, Intermediate and Long Haul Truckers especially those with ELD
- Tow Trucks
- All types of freight: Dry Freight, Reefer, Containers, Hazardous, Sand & Gravel, Agricultural, Heavy Haulers
- Commercial autos, straight delivery trucks, box trucks and more
- New Ventures OK!
- Owner Operators and Fleets
- Dump Trucks (Sand, Dirt, Gravel)
- Hazardous Waste Haulers
- General Commodities (Reefer, Flatbed, Dry Van)
- Asphalt Haulers (Belly Dumps, Side Dumps, End Dumps)
- Fuel Haulers (Gasoline, Crude Oil, Waste Oil, Hot Oil)
- Wrecker Service / Tow Truck Operations/ Straight Trucks
- Amazon Haulers Commercial Auto Insurance and General Liability
We proudly sell and service Progressive Fleet Insurance, National Indemnity Fleet Insurance and Berkshire Hathaway Fleet Insurance and several other Big Rig Truck insurance companies.
Do you need to file your MCS Form 150? Go here https://safer.fmcsa.dot.gov/public/MCS150.asp
Commercial Truck Insurance rates for the motor carrier industry have risen steeply over the last several years. Most of the trucking companies we interviewed identified this issue as the number one problem they currently face.
Motor carriers are required to have an insurance policy for liability and may need physical damage, and sometimes workers compensation. Companies also purchase umbrella policies or excess liability to obtain additional coverage above that provided by their primary insurance.
A recent survey by the Big Rig Insurance Programs Manager confirmed that insurance rates have increased substantially for both primary and umbrella policies. The survey found that average primary insurance rates increased by 32 percent in 2017, 37 percent in 2018, 39 percent for 2019 and 2020.
For umbrella policies, rates rose by 33 percent in 2016 and 87 percent in 2017, 2018 and again in 2019 and 2020. The survey did not account for the level of coverage obtained, but rate increases adjusted for coverage are likely to be higher, because many carriers are reducing their coverage to control costs. Steep rate increases continued in 2019. In our interviews with motor carriers, many reported increases of 35 to 45 percent over the last two years.
Rising Big Rig Truck Insurance rates are a critical issue for the commercial trucking industry for several reasons. The conditions causing rates to rise do not appear likely to be mitigated in the near future. Indeed, the low investment returns, increased risk of terrorism, and increased damage awards could cause further rate increases in the future.
Additionally, competition in the trucking industry makes it difficult for carriers to pass these costs along to their customers in the form of higher prices. Insurance rate increases reduce the profitability and productivity of the motor carrier industry, and may force marginal companies out of business.
Quotes are provided by some of the highest rated Big Rig Truck Insurance companies depending on the state.
Berkshire Hathaway Homestate Insurance Company | Brookwood Insurance Company | Continental Divide Insurance Company | Cypress Insurance Company | Oak River Insurance Company | Redwood Fire and Casualty Insurance Company
National Indemnity Company | National Liability & Fire Insurance Company | National Fire & Marine Insurance Company | National Indemnity Company of the South | National Indemnity Company of Mid-America | Columbia Insurance Company