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Moving truck insurance

Moving Truck Insurance Cost

Average moving truck insurance costs $725/month ($8,700/year) in 2026. Rates range from $5,500 to $14,000 annually depending on experience, cargo, and operating radius.

Average Monthly
$725
Average Annual
$8,700
Range
$5,500–$14,000

Cost by Operator Profile

Operator ProfileAnnual CostMonthly Cost
Local movers, 1–2 trucks, 1–2 years$5,500–$8,000$460–$670
Interstate mover, 3+ years$8,500–$11,000$710–$920
Van line agent (Allied, Mayflower, etc.)$9,500–$14,000$790–$1,170
Large established fleet$7,500–$10,000/unit$625–$835

What You Pay For: Cost Breakdown by Coverage

A moving truck insurance package bundles multiple coverages. Here is how the average $8,700/year premium breaks down by line of business:

Primary Liability ($1M)
$3,800–$6,500
Physical Damage
$1,400–$3,200
HHG Motor Cargo
$1,200–$2,800
Workers Compensation
$2,500–$6,500 (varies by state)
General Liability
$800–$1,500

7 Factors That Determine Your Rate

Local vs interstate
Interstate HHG requires FMCSA authority + BMC-32/34 bond β€” adds complexity
HHG cargo insurance
Interstate movers MUST carry cargo; not required for intrastate in many states
Van line affiliation
Allied, Mayflower, United often have blanket policy requirements
Workers comp
Moving labor is high-risk; WC premium drives total cost up significantly
Claim frequency
Moving industry has high damage-claim frequency β€” clean history essential

How Moving Truck Insurance Cost Varies by State

Moving truck rates vary significantly by workers comp costs (CA, NY, IL highest). Interstate van-line agents pay more than intrastate movers. Florida and Arizona (retiree markets) see high volume but competitive rates.

See state-by-state truck insurance pricing β†’

What each coverage pays and the federal rules for this truck are on our moving truck insurance page.

How to Lower Your Moving Truck Insurance Cost

  • Train crews on proper lifting and padding β€” reduces WC and cargo claims
  • Document pre-move inspection with photos/video
  • Bundle HHG cargo with liability for combined discount
  • Van-line agents may access blanket policies cheaper than standalone
  • Maintain crew background checks β€” builds claim-history credibility

Get Your Moving Truck Insurance Quote

Your quote depends on your exact operation. We compare many A-rated carriers to find your best rate in minutes β€” your FMCSA data pre-fills 80% of the application.

Get a quoteCall 317-427-5599