FC
Full CoverageTruck Insurance
FOR FLEETS OF 10+ TRUCKS

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.

Get a Fleet QuoteCall 317-427-5599

Fleet Insurance Pricing by Fleet Size

Per-unit costs decrease as your fleet grows. Here is what to expect at each tier.

Small Fleet

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
Mid-Size Fleet

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)
Large Fleet

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

Dry van and reefer fleets
Flatbed and heavy haul operations
Tanker and hazmat carriers
Intermodal and drayage fleets
Dump truck and construction fleets
Moving and household goods carriers
Auto hauler and car carrier fleets
Expedited and hot shot fleets
Oilfield trucking operations
Last-mile delivery fleets

Fleet Truck Insurance FAQ

Fleet insurance typically costs $5,000-$12,000 per truck per year. Per-unit costs decrease as fleet size increases. A 10-truck fleet might pay $8,000 per unit while a 50-truck fleet could pay $5,500 per unit. Costs depend on fleet size, cargo type, driver records, operating radius, and claims history.
Most carriers start fleet pricing at 3-5 power units. Enhanced fleet rates begin at 10+ trucks. Mid-market programs open at 25+ units, and large fleet programs with the best pricing require 50-100+ power units. Full Coverage finds the best fleet-tier pricing for your specific fleet size.
A comprehensive fleet policy bundles BIPD liability ($750K-$1M+), physical damage (comprehensive and collision), motor cargo, general liability, workers compensation, and umbrella/excess liability. Each unit can have different coverage levels based on age and value. Certificates of insurance are managed centrally.
Carriers offer 5-20% premium discounts for fleet safety programs. Qualifying measures include forward-facing and dual-facing dash cameras, ELD compliance, annual driver training, preventive maintenance programs, drug testing protocols, and CSA score monitoring. We help you identify which programs deliver the biggest savings.
Yes. Fleet policies allow same-day endorsements to add or remove vehicles. Adding a truck takes a single phone call. Removing a unit generates a pro-rated premium credit. This flexibility is one of the biggest advantages over insuring trucks individually.
Fleet policies cover vehicles, not individual drivers. Adding a new driver requires a driver schedule update with their MVR (motor vehicle record). The carrier may adjust your rate based on the driver's history, but coverage is never interrupted. Fleets with structured hiring and training programs get better rates.
Loss control includes safety audits, driver training resources, accident investigation support, and CSA score monitoring. Top carriers provide these services to fleet accounts of 10+ units. Fleets of 25+ may get an assigned loss control consultant who visits your facility. These services directly reduce claims and lower your renewal rates.
Your experience mod (X-mod) compares your actual workers comp losses to the industry average. Below 1.0 means you pay less than average. For a fleet with $200K in workers comp premium, the difference between a 0.85 and 1.15 mod is $60,000 per year. We consult on return-to-work programs and safety measures that drive your mod down.
Give us your current declarations pages and 3-5 year loss runs. We shop your fleet across 30+ carriers, present competing quotes side by side, and handle the entire transition — new BMC-91 filings, certificate updates, shipper notifications. Most switches happen at your current renewal date with zero coverage gaps.
Yes. Licensed in 47 states, we write nationwide fleet programs. Whether your trucks run 5 states regionally or 48 states cross-country, we structure one policy covering all territories with one premium, one renewal, and one dedicated broker.

Related Coverage

Truckers Liability (BIPD)Cargo InsurancePhysical DamageOwner-Operator InsuranceNew Authority InsuranceOur Carrier PartnersCompare Top CarriersSemi-Truck InsuranceHotshot InsuranceTexas Fleet InsuranceIndiana Fleet Insurance
NM

Reviewed by

Nazar Mamaev

President, 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.

Indianapolis, IN·317-427-5599·Get a Quote

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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.

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