Fleet Insurance Savings Calculator
See how much your fleet could save by switching from individual truck policies to a fleet insurance program. Adjust your fleet size, cargo type, and safety features to see your estimated savings.
Tier: Fleet Tier 1 (10-24 trucks)
Estimated Annual Fleet Insurance Cost
Individual Policies
$130,000
$13,000/truck
Fleet Program
$100,000
$10,000/truck
You Save
$30,000
23% less per year
Estimates based on industry averages for clean loss history. Your actual rate depends on driver MVRs, operating radius, equipment value, and claims history. Call for exact pricing.
How Fleet Insurance Saves You Money
Fleet insurance programs reduce per-unit costs through three mechanisms: volume pricing (carriers offer lower rates for larger accounts), composite rating (a single rate per truck instead of individually rating each unit), and administrative efficiency (one policy, one renewal, one claims team).
A 10-truck fleet paying $13,000 per truck on individual policies can often get to around $10,000 per truck on a fleet program — saving $30,000 per year. At 50 trucks, the per-unit savings add up to $200,000 annually. Actual savings depend on your loss history, driver quality, cargo type, and which carriers compete for your account.
Full Coverage LLC shops your fleet across 30+ carriers to find the most competitive fleet-tier pricing. We handle the transition from individual policies to a fleet program — including BMC-91 filings, certificate updates, and shipper notifications.
Fleet Savings FAQ
How much can I save with fleet insurance vs individual policies?
A 10-truck fleet typically saves $20,000-$30,000 per year. A 50-truck fleet can save $150,000-$250,000. Savings come from volume discounts, composite rating, and multi-coverage bundling.
When does fleet insurance pricing start?
Most carriers begin fleet pricing at 3-5 power units, with the best rates starting at 10+ trucks. Significant volume discounts kick in at 25+ and 50+ truck tiers.
What discounts are available for fleet insurance?
Common fleet discounts: dash cameras (5-15%), formal safety program (5-10%), clean loss history, ELD compliance, driver training, and multi-coverage bundling (5-15%). Combined, these can reduce premiums 20-30%.