Trucking Insurance
Truckers Insurance Built for the Long Haul
Commercial truck insurance for owner-operators and small fleets in Illinois, Iowa, Wisconsin, and Indiana. Primary liability, cargo, physical damage, and filings. We shop multiple carriers for your trucking insurance quote so you don't have to.
- ✓Serving IL, IA, WI & IN
- ✓New Authority Welcome
- ✓Filings Handled
Free, No-Obligation Quote
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One application. 30+ carriers. A licensed agent reviews every quote.
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Our Markets
Trucking Carriers We Shop for You
Standard and specialty markets for owner-operators and fleets.
Carrier availability varies by operation, radius, and commodity.
One application. Multiple trucking markets.
Compare My Rate →The Problem
Why Trucking Insurance Is Hard to Get Right
Premiums are rising and underwriting is tighter. Here's what operators run into most.
Rising Premiums
Large jury verdicts have pushed auto liability rates up across the industry, even for clean operators.
New Authority
Many carriers won't write a new MC number. Finding a market that will takes shopping.
Federal & State Filings
A missed or late filing can put your authority at risk and park your trucks.
Cargo Claim Denials
Exclusions for unattended trucks, reefer breakdown, or certain commodities leave gaps many drivers don't see until a loss.
Broker & Shipper Requirements
Loads often require specific limits and certificates before you can haul.
Leased-On Gaps
Owner-operators under another carrier's authority still need their own coverage when off dispatch.
Coverage
What We Cover
Coverage for owner-operators, leased-on drivers, and fleets.
Same-Day COIs
Certificates for brokers and shippers sent the same business day so you don't miss a load.
Primary Auto Liability
Covers injury and property damage to others. Required for for-hire authority.
Motor Truck Cargo
Protects the freight you haul. Reefer breakdown available.
Physical Damage
Collision and comprehensive for tractors and trailers, including financed equipment.
Non-Trucking Liability
For leased-on owner-operators when the truck is used off dispatch.
Trailer Interchange
Covers non-owned trailers pulled under an interchange agreement.
General Liability
Covers claims at docks, yards, and your premises that auto liability doesn't.
Workers Comp & Occ Acc
Coverage for employee drivers, or occupational accident for independent contractors.
Filings Handled
Federal and state filings submitted with your policy.
Trucks We Insure
Commercial Truck Insurance for Every Rig
Truckers insurance quotes for single-truck owner-operators and growing fleets across Illinois, Iowa, Wisconsin, and Indiana.
Semi & Tractor-Trailer
Long-haul and regional semi truck insurance for owner-operators and fleets.
Box Trucks
Box truck insurance for local delivery, moving, and final-mile carriers.
Dump Trucks
Dump truck insurance for sand, gravel, and construction hauling.
Hotshot
Hotshot insurance for pickup and gooseneck trailer operations.
Flatbed
Flatbed truck insurance for steel, lumber, and equipment loads.
Reefer
Refrigerated truck insurance with reefer breakdown options.
Pricing
What Does Trucking Insurance Cost?
Typical annual ranges per truck. Your rate depends on your operation.
Leased-On Owner-Operator
Non-trucking liability + physical damage
$2,500–$5,000
per year
Owner-Operator, Own Authority
Liability, cargo + physical damage
$12,000–$20,000
per year
Small Fleet (2–10 Trucks)
Full package, priced per unit
$9,000–$16,000
per truck, per year
What affects your rate: years in business, driver MVRs, loss history, radius, commodity, and equipment value.
| Question | Answer |
|---|---|
| How much does trucking insurance cost? | Most owner-operators with their own authority pay $12,000–$20,000 per truck per year. Leased-on drivers typically pay $2,500–$5,000. Your rate depends on experience, driving records, loss history, radius, and commodity. |
| What insurance do I need for a new MC number? | For-hire interstate carriers hauling general freight need at least $750,000 in primary liability, filed with the FMCSA. Most brokers require $1,000,000 in liability and $100,000 in cargo coverage before assigning loads. |
| Can I get insurance with new authority? | Yes. Several of our markets write new ventures. Expect higher rates in the first one to two years until you build a safety and loss record. |
| What is non-trucking liability? | Non-trucking liability covers leased-on owner-operators when the truck is used off dispatch. The motor carrier’s policy covers you while under dispatch. |
| What’s the difference between cargo and physical damage coverage? | Cargo covers the freight you haul. Physical damage covers your tractor and trailer. Most operators need both. |
| Does my personal auto policy cover my truck? | No. Personal auto policies exclude commercial trucks. You need a commercial trucking policy. |
| How fast can I get a certificate of insurance? | Certificates for brokers and shippers are typically sent the same business day. |
| What do I need to get a quote? | Your DOT/MC number, driver information, VINs and values for each unit, operating radius, commodities hauled, and three to five years of loss runs if available. |
Get Started
Keep Your Trucks Rolling
One application. Multiple trucking markets. A licensed agent reviews every quote.
✓ 14 Trucking Markets · ✓ Filings Handled · ✓ Serving the Midwest