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Semi-Truck & Tractor-Trailer Insurance

Insurance for 18-wheelers, OTR operations, and long-haul tractor-trailers. The backbone of American freight.

See Semi-Truck & Tractor-Trailer Insurance Cost →

What It Covers

  • Liability coverage for bodily injury and property damage caused by your semi-truck
  • Physical damage protection for your tractor and attached trailer
  • Cargo insurance for the freight you haul coast to coast
  • Non-trucking liability (bobtail) when driving without a trailer
  • Trailer interchange coverage when pulling someone else's trailer
  • Uninsured/underinsured motorist protection

Who Needs This Coverage

Owner-operators running their own authority, fleet owners with OTR operations, and drivers leased to carriers who need occupational accident or supplemental coverage. If you operate a Class 8 tractor-trailer on interstate routes, you need this coverage.

Avg Fleet Size

1-50 trucks

Common Cargo

General freight, dry van, consumer goods

Typical Coverage Package

  • Primary Liability ($750K-$1M+)
  • Physical Damage (Comprehensive + Collision)
  • Motor Cargo ($100K+)
  • Non-Trucking Liability
  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist

Frequently Asked Questions

Semi-truck insurance typically runs $8,000-$15,000 per year for an owner-operator with clean history. Fleet rates can be lower per-unit. Factors include driving record, years of experience, type of cargo, and operating radius.
Federal minimum for general freight is $750,000. Hazmat and passenger carriers require $1M-$5M. Many brokers and shippers require $1M regardless, so most carriers opt for $1M to maximize load opportunities.
Bobtail or non-trucking liability covers you when you are driving your truck without a trailer for personal use, like going home after dropping a load. It does not cover you while dispatched or under load.
Yes. We work with carriers that write new authorities. Rates will be higher for the first 1-2 years, but we shop multiple markets to get you the best deal available for your experience level.
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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