Truck Insurance From 30+ Carriers. One Quote.

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 and the District of Columbia. We are not licensed in Alaska, Hawaii, or Massachusetts. 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.