Florida Truck Insurance
Florida is one of the top trucking states with massive freight volume from ports, agriculture, and construction. Florida trucking insurance must account for hurricane exposure, high litigation rates, and year-round operations.
Florida Trucking Insurance Requirements
Federal Requirements
All for-hire interstate carriers operating in Florida must carry a minimum of $750,000 in liability insurance. Carriers hauling hazardous materials need $1,000,000 to $5,000,000 depending on the commodity. These are federal minimums enforced by the FMCSA.
Coverage We Provide in Florida
Why Work With a Truck Insurance Broker in Florida?
Insurance carriers set different rates for Florida based on their own loss experience in the state. One carrier might be 40% cheaper than another for the exact same coverage on the exact same truck. The only way to find the best rate is to compare multiple carriers โ and that is exactly what we do.
Full Coverage works with 30+ A-rated insurance carriers. We submit your information to every market that writes trucking in Florida, then present you with the best options side by side. You pick the coverage and price that works for your operation.
Whether you are an owner-operator running a single truck out of Florida, a fleet with 50+ units, or a brand new authority looking for your first policy, we find carriers that want your business and will give you a competitive rate.
Florida Truck Insurance FAQ
How much does commercial truck insurance cost in Florida?
Truck insurance in Florida typically costs $8,000-$20,000 per year for a single truck. Rates depend on your driving record, authority age, cargo type, and radius of operation. Full Coverage compares 30+ carriers to find the best rate for Florida truckers.
What are the minimum insurance requirements for trucking in Florida?
Federal law requires $750,000 minimum BIPD liability for general freight carriers operating in Florida. Hazmat carriers need $1,000,000-$5,000,000. Florida may have additional state-level requirements for intrastate carriers. We handle compliance for both federal and state requirements.
Can I get truck insurance in Florida with a new authority?
Yes. We work with carriers that write new authority policies in Florida. While premiums are higher for the first 1-2 years, we shop 30+ markets to find you the best available rate. Most new authorities can get coverage bound within 24-48 hours.
What types of truck insurance do you offer in Florida?
We provide BIPD liability, cargo insurance, physical damage (comprehensive and collision), general liability, workers compensation, umbrella/excess liability, and occupational accident coverage for Florida trucking companies. We cover owner-operators, small fleets, and large fleets.
How fast can I get a truck insurance quote in Florida?
We can provide a quote for Florida trucking operations within minutes. Call us at 317-427-5599 or start your application online. We pre-fill 80% of your application from government data so you only enter what's missing.
Get Truck Insurance in Florida
We compare rates from 30+ carriers to find the best coverage for Florida trucking companies. Get a free quote today.