Truck insurance for beginners: everything you need to know

A clear guide on liability, physical damage, cargo and bobtail to start your operation with the right coverage.

Starting out in commercial trucking can be overwhelming. There are several types of coverage and each one protects something different. Auto liability is mandatory and covers injuries or damage to third parties. Physical damage protects your own unit. Motor truck cargo covers the freight you haul. Bobtail / non-trucking covers your unit when it is driven without a trailer and not under dispatch.

The federal minimum for interstate trucking is $750,000, but many brokers require $1,000,000. Your premium depends on your MVR, claims history, cargo type and operating radius. Use our quote tools for an instant estimate, and an agent will confirm your final rate within one business day.