Trucking insurance is a specialized type of commercial auto coverage designed for semi-trucks, fleets, and owner-operators. It protects against accidents, cargo loss, property damage, and liability claims while keeping your business DOT-compliant.

Costs vary depending on factors like:

Type of truck (tractor-trailer, box truck, etc.)

Driving history and experience

Routes (local vs. long-haul, state vs. interstate)

Cargo type (hazardous materials vs. general freight)

Size of fleet or if you’re an independent owner-operator

Yes. The FMCSA (Federal Motor Carrier Safety Administration) requires all motor carriers and owner-operators to carry minimum liability coverage (usually $750,000 – $1 million) before they can operate legally. Additional coverages like cargo or bobtail may also be required depending on contracts and state laws.

It depends on your policy, but typical coverages include:

Liability insurance for accidents you cause

Physical damage to your truck

Cargo protection for goods you haul

Bobtail/non-trucking liability

Workers’ compensation for drivers

Yes — if you’re hauling freight, most shippers and brokers require proof of motor truck cargo insurance. It protects against theft, damage, or loss of goods while in transit.

Bobtail Insurance covers your truck when it’s driven without a trailer, regardless of dispatch status.

Non-Trucking Liability Insurance covers when the truck is being used for personal reasons not under dispatch.