Fleet Truck Insurance — Compare 30+ Carriers
Custom fleet insurance programs that scale from 10 trucks to 500+. Volume pricing, dedicated claims handling, loss control consulting, and one broker who knows every truck in your operation.
Fleet Insurance Pricing by Fleet Size
Per-unit costs decrease as your fleet grows. Here is what to expect at each tier.
10-24 Trucks
Estimated $7,000-$10,000 per truck per year
- Fleet-tier pricing vs individual policies
- Single policy for all units
- Volume cargo and liability discounts
- One renewal date, one invoice
25-99 Trucks
Estimated $5,500-$8,000 per truck per year
- Dedicated underwriter assigned to your account
- Loss control consulting and safety audits
- Experience-rated pricing based on your history
- Fleet safety program credits (cameras, ELDs)
100+ Trucks
Estimated $4,500-$7,000 per truck per year
- Lowest per-unit rates available in the market
- On-site loss control consultant
- Custom deductible and retention programs
- Dedicated claims team with direct adjuster access
What Fleet Truck Insurance Covers
A comprehensive fleet policy consolidates all your coverage into one program.
Primary Liability (BIPD)
Federal-required bodily injury and property damage coverage. $750K minimum for general freight, $1M+ for most fleet operations. Includes BMC-91 filing.
Physical Damage
Comprehensive and collision coverage for every truck and trailer in your fleet. Customizable per-unit based on age and value. Includes towing and rental reimbursement.
Motor Cargo
Protects the freight your fleet hauls. Limits from $100K to $1M+ depending on commodity type. Single policy covers all units regardless of what each truck is hauling.
General Liability
Covers your business operations off the road — premises liability, advertising injury, completed operations. Required by most shippers and facility contracts.
Workers Compensation
Mandatory in most states for fleets with employees. Covers medical expenses and lost wages for work-related injuries. Experience mod consulting included.
Umbrella / Excess Liability
Additional liability above your primary limits. With nuclear verdicts in trucking regularly exceeding $10M, most fleets carry $1M-$10M in excess coverage.
Why Fleets Choose Full Coverage
Most insurance brokers treat fleet accounts like big individual policies — same carriers, same approach, just more trucks. We do it differently.
Full Coverage submits your fleet to every carrier that writes your class of business. That means 30+ markets competing for your account at every renewal. We do not have production commitments or carrier quotas that steer you toward one company. We find the carrier that gives your fleet the best combination of price, coverage, claims service, and loss control support.
For fleets of 10+ trucks, we assign a dedicated broker who knows your equipment, your drivers, and your operation. When you need a certificate at 9 PM on a Sunday, when a driver has an accident in another state, when you are adding 5 trucks next month — one phone call handles it.
We also work proactively to reduce your total cost of risk. That means consulting on safety programs that qualify for carrier discounts, monitoring your CSA scores, managing your workers comp experience mod, and structuring deductible strategies that lower your premium without exposing you to unmanageable out-of-pocket risk.
Fleet Types We Insure
Fleet Truck Insurance FAQ
Reviewed by
Nazar MamaevPresident, Full Coverage LLC
TRIP, CDS, TRS Certified · Licensed in 47 States
Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.
Get a Fleet Insurance Quote Today
Tell us about your fleet. We will shop 30+ carriers, present you with the best options, and handle everything from there. Most fleet quotes are ready within 24-48 hours.