Commercial Truck Insurance

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Factors that determine Commercial Truck Insurance:

Your driving history
Vehicle type
Cargo contents and value of the cargo
Business experience
Size of the trucking business
USDOT authority
Coverage limits & deductible
Operating radius

Average Commercial Truck Insurance rate examples by state:

Alabama

The average cost of commercial truck insurance in Alabama is estimated at $15,600 per year.
1 truck based out of Birmingham, AL
Experience: New venture
Operating radius: Interstate, less than 500 miles
Cargo: Freight, general
Premium: $15,160/year

Arizona

The average cost of commercial truck insurance in Arizona is estimated at $12,420 per year.
1 truck based out of Avondale, AZ
Experience: Over 3 years
Operating radius: Interstate, less than 500 miles
Cargo: General, paper products, produce, refrigerated food, meat,
Premium: $13,380/year

California

The average cost of commercial truck insurance in California is estimated at $14,200 per year.
1 truck based out of Bakersfield, CA
Experience: Under 2 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $15,600/year

Georgia

The average cost of commercial truck insurance in Georgia is estimated at $15,900 per year.
1 truck based out of Columbus, GA
Experience: New venture
Operating radius: Interstate, unlimited miles
Cargo: General Freight, dry bulk
Premium: $16,920/year

Michigan

The average cost of commercial truck insurance in Michigan is estimated at $18,360 per year.
1 truck based out of Fort Gratiot, MI
Experience: New venture
Operating radius: Interstate, less than 500 miles
Cargo: General Freight, building materials, produce, feed, hay, coal
Premium: $20,300/year

North Carolina

The average cost of commercial truck insurance in North Carolina is estimated at $11,050 per year.
1 truck based out of Charlotte, NC
Experience: Less than 2 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $10,390/year

South Dakota

The average cost of commercial truck insurance in South Dakota is estimated at $13,790 per year.
1 truck based out of Sioux Falls, SD
Experience: New venture
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $9,770/year

Texas

The average cost of commercial truck insurance in Texas is estimated at $13,610 per year.
1 truck based out of Haslet, TX
Experience: Over 3 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight, metal, motor vehicles, building materials, machinery, logs, oilfield equipment
Premium: $12,260/year

Utah

The average cost of commercial truck insurance in Utah is estimated at $14,460 per year.
1 truck based out of West Jordan, UT
Experience: Over 3 years
Operating radius: Interstate, below 500 miles
Cargo: General Freight, meat, produce, refrigerated food, beverages, paper products
Premium: $19,120/year

Oregon

Cal-Surety & Insurance Services - Striving to be the Leading Commercial Truck Insurance provider

Most folks would agree that purchasing insurance is complex, stressful, and expensive. We will do everything possible to reduce the anxiety from this process and give you peace of mind knowing that your livelihood is protected. No matter the type of commercial truck you drive, the number of trucks in your fleet, or even the number of staff you employ, we know you depend on your truck and the aspects that power your business. Our team of trucking insurance experts wants to help you shield it.

Centrally located in California, Cal-Surety currently protects many truckers within our state. We’re now broadening our geographic portfolio to include Arizona, Texas, Georgia, and more. So, whether you operate intrastate or interstate, we’ll customize an insurance policy specifically designed to meet your commercial trucking needs. Contact us today to speak with one of our insurance experts who will be happy to provide you with a quote:

(866) 357-4405

Below is a general list of trucks we offer coverage for:

Pickup trucks
Flatbed trucks
Box trucks
Semi-trucks
Tank trucks
Tractors
Auto hauler trailers
Flatbed trailers
Front loaders
And much more!

Here are some of our available Coverage options:

General Liability - covers you and your company for claims involving bodily injury and property damage resulting from your products, services, or operations. It may also cover you if you are held liable for damages to your landlord's property.

Auto Liability – provides compensation for injuries to others caused by your truck, as well as for damages caused by your truck to another person's property.

Comprehensive Physical Damage & Collision – Comprehensive Physical Damage insurance protects your truck if it’s damaged by an occurrence other than a collision with a vehicle or object, or if your truck is stolen. Collision insurance protects your truck if damaged in an accident. Collision insurance pays to repair or replace your truck if it collides with another object, overturns, or rolls.

Motor Truck Cargo - provides coverage against the risks of direct physical loss to covered property while in transit and loading or unloading. It also covers property while at a terminal or dock awaiting final distribution.

Non-Trucking Liability & Bobtail Insurance - pays for property damage or bodily injury in the event of an accident when the driver/truck is on personal time.

Occupational Accident Coverage - provides both employees and their employers a certain level of financial protection in case of an injury incurred on the job.

Extended Towing – pays to tow your truck from the scene of a covered loss to a repair location of your choice within 2,000 miles.

Trucker’s Downtime - provides you with weekly compensation ($450) for a maximum of eight weeks or until the repairs are completed and the truck is determined to be roadworthy, whichever occurs first. There is no downtime coverage for a stolen truck, a total loss, or constructive total loss, or while reserve or spare trucks are available.

Loan Gap - helps pay off your truck loan if your truck is totaled or stolen and you owe more than the truck's depreciated value.

Emergency Expense Reimbursement – after a covered loss, you will be reimbursed for your emergency expenses, including lodging and transportation.

Truck Rental Reimbursement – after a covered physical damage loss, this coverage reimburses you for the cost of renting a supplemental truck while repairs are being made to your truck.

Umbrella Insurance – extra insurance that guards existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.