Commercial Truck Insurance
for Owner-Operators & Fleets

Most single-truck owner-operators pay somewhere between $8,000 and $30,000+ per year, depending on driving record, years in business, cargo, operating radius, truck value, coverage limits, and claims history. Because every insurer weighs risk differently, two companies can quote very different premiums for the same operation — comparing a few quotes is usually the best way to find competitive pricing.

We insure a wide range of trucking operations, including dry vans, reefers, flatbeds, box trucks, hotshots, auto haulers, dump trucks, tow trucks, intermodal, Amazon Relay, and more. Eligibility depends on your operation, driving history, equipment, and other underwriting factors, but we work with over 50 insurance companies to help find the right coverage for your business.

Often the same day or within 24 hours once everything's submitted, approved, documents are signed, and the down payment is in. If you're starting a new authority, coverage timing also depends on when your authority activates — worth looping in early so the two line up.

DOT/MC number, vehicle details (VINs, year/make/model), driver list with MVRs, cargo type, operating radius, and prior loss runs if you have them. Formal quotes may also need vehicle schedules and other underwriting docs, but that's usually the core list.

For interstate trucking companies, the required insurance depends on the type of authority you apply for. Once your policy is issued, your insurance company submits the required filings to the FMCSA. Your MC authority cannot become active until those filings have been received.