How much does Trucking Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Practical trucking insurance guidance for owner-operators and fleets covering primary auto liability, motor truck cargo, physical damage, trailer interchange, general liability, non-trucking liability, workers compensation, filings, underwriting, costs, and claims preparation.
Commercial trucking insurance is built around the motor carrier's authority, drivers, equipment, commodities, radius, contracts, safety record, and loss history. A complete submission should align the legal entity and DOT records with current driver and vehicle schedules, requested limits, cargo exposure, trailer arrangements, and supporting documents. Step 1 can be started on Casurance trucking pages and continued on the dedicated /quote/trucking application.
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Owner-Operator | Single power unit | Varies by driver, truck, radius and authority | New authority and seasoned owner-operators can price very differently even with similar equipment. |
| Small Fleet | 2–10 power units | Varies by fleet and loss history | Driver quality, fleet utilization, cargo, radius, equipment values and safety performance drive pricing. |
| Growing Fleet | 11–50 power units | Market review required | Fleet schedules, safety controls, loss runs, deductibles and umbrella needs become more important as the operation grows. |
| Specialty / High Hazard | Any fleet size | Specialty underwriting required | Hazmat, auto hauling, heavy haul, high-value cargo and other specialty operations require class-specific underwriting. |