Indiana Truck Insurance Brokerage

Truck Insurance From 30+ Carriers. One Quote.

Compare commercial truck insurance from 30+ A-rated carriers in minutes. Licensed broker in 47 states. Same-day coverage, BMC-91 and MCS-90 filings included. Get a free quote.

Start Your Application 317-427-5599

Licensed in 47 States

TRIP · CDS · TRS · ARM · CRIS

Same-Day Coverage

BBB Accredited

Carriers We Work With

ProgressiveCanal InsuranceLiberty MutualProtective InsuranceBerkley OneNational InterstateNorthland InsuranceOld RepublicProgressiveCanal InsuranceLiberty MutualProtective InsuranceBerkley OneNational InterstateNorthland InsuranceOld Republic

Insurance Built for Trucking

Specialized coverage for every type of commercial trucking operation.

Cargo Insurance

Protect the goods you haul. We find the right cargo coverage for your commodity type, whether it's dry van, flatbed, reefer, or specialized freight.

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Truckers Liability (BIPD)

Bodily injury and property damage coverage that meets federal and state requirements. We compare rates across 30+ carriers to get you the best deal.

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Physical Damage

Comprehensive and collision coverage for your trucks, trailers, and equipment. Options for new and used units, owner-operators and fleets alike.

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Fleet Insurance

Programs designed for fleets of all sizes. From 2 trucks to 200, we build custom packages that grow with your operation and keep premiums competitive.

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Why Choose Full Coverage

We do one thing, and we do it right.

Commercial Trucking Only

We don't sell home or auto insurance. Trucking is all we do, and we know it inside and out.

Industry Certified Team

TRIP, CDS, TRS, ARM, and CRIS certified. We speak the language of trucking insurance.

30+ Carrier Network

Access to over 30 A-rated insurance carriers means more options and better pricing for your operation.

Licensed in 47 States

No matter where your trucks run, we can write coverage. Nationwide reach with local, personal service.

FOR FLEETS OF 10+ TRUCKS

Fleet Truck Insurance

Custom fleet programs with volume pricing, dedicated claims handling, and loss control consulting. We shop 30+ carriers to find the best rate for fleets of 10 to 500+ trucks.

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30+

A-Rated Carriers

States Licensed

$10K

Avg Per-Truck Rate

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Instantly check any carrier's safety record, insurance status, and authority information.

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Truck Insurance by State

We are licensed in 47 states. Find coverage information for your state or compare carriers side by side.

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What Our Clients Say

Trusted by owner-operators and fleets across the country.

“Full Coverage saved me over $4,000 a year on my fleet policy. Nazar took the time to understand my operation and found carriers that actually want flatbed business. Best switch I ever made.”

John T.

Owner-Operator, 6-Truck Flatbed Fleet — Texas

“We were paying way too much with our old broker. Full Coverage shopped our account across multiple carriers and cut our premiums significantly without sacrificing coverage. They handle everything, renewals, certificates, claims support.”

Maria S.

Fleet Manager, Refrigerated Transport — Georgia

“As a new authority, I was getting turned down everywhere. Nazar found me a solid policy with a top carrier at a fair price. Got my certificate the same day. These guys know trucking insurance better than anyone I've worked with.”

Derek W.

Owner-Operator, Dry Van — Ohio

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4.4 Million Carriers at Your Fingertips

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What Is Truck Insurance?

Truck insurance is the set of commercial auto policies that keep a trucking business legal, financed, and on the road. Unlike personal auto, truck insurance must satisfy federal motor carrier requirements, state DOT requirements, lender contracts on financed equipment, and shipper contracts that often require specific cargo limits and additional insureds.

A typical for-hire interstate operator carries primary liability ($750,000 minimum federally, $1M standard), motor truck cargo ($100,000 minimum, $250,000+ for most contracts), physical damage (comp + collision on the truck and trailer), and FMCSA filings (BMC-91/91X liability + MCS-90 endorsement). Owner-operators leased to a motor carrier instead carry non-trucking liability and physical damage.

Full Coverage is an independent broker— we don't sell our own policy. We compare quotes from 30+ A-rated carriers (Progressive, Canal, Liberty Mutual, Protective, Berkley One, National Interstate, Northland, Old Republic and more) in one application. For specialty risks like new authority, hot shot, or prior cancellations, the spread between carriers can be $3,000–$8,000 per truck per year. For clean fleets it's still 10–15% on average.

Truck Insurance Cost in 2026

Real ranges from carrier filings and our own quote book — not estimates. Final premium depends on radius, commodity, MVR, CDL years, CSA score, garaging state, and vehicle value.

Operator Type	Annual Premium / Truck	Coverage Included
New authority, OTR, sleeper	$10,500 – $14,000	$1M liability + $100K cargo + filings
Established carrier (2+ yrs), OTR	$7,500 – $10,000	$1M liability + $100K cargo + filings
Local / regional fleet (5+ trucks)	$6,500 – $9,000	$1M liability + cargo + phys dam
Owner-op leased (non-trucking)	$3,500 – $6,500	NTL/bobtail + phys dam + occ acc
Hot shot (Class 3–5)	$8,000 – $12,500	$750K liability + cargo + filings
Tow truck / wrecker	$8,500 – $13,500	Liability + on-hook + garagekeepers

Numbers based on 2025–2026 carrier rate filings (Progressive, Canal, Protective, National Interstate) and Full Coverage's own quote book of 200+ accounts. For your exact range, see the full 2026 cost guide or start a quote.

Types of Commercial Truck Insurance

1. Primary Liability (BIPD)

Bodily injury and property damage caused to others. Federal minimum is $750,000 for general freight, $1,000,000 standard for most operators, $5,000,000 for hazmat. Required by FMCSA for all for-hire interstate carriers via truckers' liability.

2. Motor Truck Cargo

Coverage for the freight you haul against theft, damage, and loss in transit. Most shipper contracts require $100,000 minimum; reefer and high-value freight contracts often require $250,000+. See cargo coverage details.

3. Physical Damage

Comprehensive and collision coverage for the truck and trailer. Required by lenders if the equipment is financed. Premium scales with stated value of the unit. Physical damage details.

4. Non-Trucking Liability (Bobtail)

Coverage for leased owner-operators when the truck is being used for non-business purposes (e.g., driving home after dropping a load). Required by most motor carriers as a condition of the lease.

5. Trailer Interchange

Coverage for non-owned trailers in your possession under a written interchange agreement. Default form is physical damage; liability form requires a documented contract.

6. General Liability

Premises liability and product liability for events outside the auto policy (e.g., a customer slips and falls at your yard). Most shipper contracts require $1M GL on top of $1M auto liability.

What Does Commercial Truck Insurance Cover?

A complete commercial truck insurance policy protects four things: other people (primary liability for bodily injury + property damage to third parties), your equipment (physical damage on the truck and trailer), your cargo (motor truck cargo for freight in transit), and your business operations (general liability + non-trucking liability for off-duty exposures).

Federal FMCSA insurance requirements mandate primary liability and an MCS-90 endorsement for all for-hire interstate motor carriers; cargo (BMC-32/34) is separately required only for household-goods movers per 49 CFR 387.303(b). Most state DOT regulators require additional Form-E or Form-H filings for intrastate operations.

What standard policies do not cover: occupational accident (separate policy for the driver), workers compensation (state-mandated, separate), reefer breakdown (cargo endorsement), pollution liability from spills (CA-9948 endorsement), and on-hook / garagekeepers for tow operators (specialty coverage).

How to Get Commercial Truck Insurance

1. Confirm your FMCSA registration is active. Carriers will not bind without an active USDOT and MC number (for-hire). New authority operators need to wait for FMCSA authority to be granted before binding (typically 21-25 days after MCS-150 + OP-1 filings).
2. Gather underwriting documents. You'll need: current MVR for every driver, copy of CDL, vehicle list with VINs and stated values, prior policy declarations page (if renewing), and 3-5 years of loss runs from prior carriers.
3. Decide: broker or direct? A broker (like Full Coverage) shops 30+ carriers in one application — useful for new authority, specialty risks, or anyone who wants comparison. Going direct (Progressive, GEICO) gets you one carrier's rate with no shopping.
4. Get apples-to-apples quotes. Verify each quote has the same liability limit ($1M typical), same cargo limit ($100K minimum, $250K for most contracts), same deductibles ($1K-$5K typical), and the same FMCSA filings included. Apples-to-oranges comparisons are how customers end up with policies that don't meet shipper requirements.
5. Pay the down payment to bind. Most carriers require 20-25% down for monthly-pay plans. Premium financing through AFCO or Imperial PFS is available for fleets. ACH typically saves 2-4% vs. credit-card pay.
6. Receive proof of insurance + filings. ACORD 25 certificate of insurance (COI) is delivered same-day in most cases. BMC-91/MCS-90 filings to FMCSA are typically active within 24 hours of binding.

Full Coverage handles steps 2 through 6 for you — you provide the documents, we shop the carriers, present the best fit, and bind the policy + filings the same day. Start your application.

FMCSA Filings We Handle

BMC-91 / 91X

Proof of public liability for for-hire interstate motor carriers. Filed electronically with FMCSA at binding — usually active within 24 hours.

MCS-90 Endorsement

Public-protection endorsement attached to the liability policy. Required for all for-hire interstate carriers — no exceptions.

BMC-32 (Cargo)

Required for household goods movers. We write it as part of the cargo policy when applicable.

Form E / Form H (state)

State-level filings (intrastate, household goods, hazmat). We coordinate with carriers state-by-state.

All filings included at binding — no separate fee. For new authority operators, see new authority trucking insurance or our MCS-90 explained guide.

Common Questions About Truck Insurance

Reviewed by Nazar Mamaev, Trucking Insurance Specialist · Updated 2026-04-28

Truck insurance is commercial auto coverage built for vehicles used in business — usually combinations of primary liability (BIPD), motor truck cargo, physical damage, non-trucking liability, and trailer interchange. Federal motor carriers operating across state lines must also file BMC-91/91X (liability) and MCS-90 (public safety endorsement) with the FMCSA.

Commercial truck insurance averages $9,000 to $15,000 per year per truck in 2026, broken down as: primary liability $4,000–$12,000, physical damage $1,500–$5,000, motor truck cargo $350–$1,800. New authority operators pay $10,500–$14,000/yr first year. Established carriers (2+ years authority) pay $6,000–$10,000/yr. Leased owner-operators pay $3,500–$6,500/yr for non-trucking liability + physical damage. Costs vary by radius, commodity, CDL experience, MVR, CSA score, garaging state, and vehicle value. Source: Full Coverage's 200+ active accounts + 2025-2026 Progressive, Canal, Protective, National Interstate rate filings.

Same-day binding is possible if your operating authority is active in FMCSA, your MVR and CDL meet underwriting, and you can pay the down payment by ACH. Most clean accounts bind within 4 hours of receiving a complete application; new ventures typically take 24–48 hours because we shop multiple carriers.

For-hire interstate motor carriers need BMC-91 or BMC-91X (proof of liability), MCS-90 (endorsement), and depending on commodity, BMC-32 (cargo). Hazmat haulers also need MCS-150B. Full Coverage handles all FMCSA filings as part of binding — no separate fee.

Yes. Leased owner-operators need non-trucking liability (NTL or 'bobtail') for non-business use plus physical damage on the truck. We can also write occupational accident if your carrier doesn't include it. We do not require you to carry primary liability if you're under a motor carrier's authority.

Yes. New authority placement is one of our specialties. Most national carriers refuse new ventures or surcharge them heavily. We work with carriers like Canal, Protective, National Interstate, and several MGAs that price new authority on the operator's CDL years, prior employer references, and the truck/cargo profile rather than entity age.

Semi (sleeper + day cab), box truck, dump, flatbed, reefer, tanker, tow, hot shot, car hauler, logging, moving, garbage, food truck, and bucket truck. We also write trailer-only interchange and physical damage policies.

We're licensed in 47 states. We are not currently licensed in New York, Virginia, Hawaii, or Alaska. Everywhere else — yes.

A direct carrier sells you their one product. A broker shops 30+ carriers in one pass and presents the best fit for your operation. For specialty risks (new authority, hot shot, hazmat, prior cancellations, MVR issues) the difference can be $3,000–$8,000 per year per truck. For clean fleets it's still 10–15% on average.

Claims go directly to the issuing carrier per industry standard, but we advocate on your behalf — we know which adjusters move fast, which carriers escalate problems quickly, and we stay involved until your claim closes. Call us first so we can flag the right carrier contact.

Ready to Get Covered?

Start your application in minutes. We pre-fill 80% from government data so you only enter what's missing. Compare rates from 30+ A-rated carriers.

Start Your Application 317-427-5599