Kinro

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Trucking insurance help built around your operation.

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Published monthly benchmarks

$730–$930/mo

Commercial truck

$120–$140/mo

Motor truck cargo

Benchmarks are not quotes. Final price depends on underwriting.

Complete a few business questions to see if a bindable price is available. No payment is required to view a quote.

Support from licensed agents No obligation to buy

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does trucking insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$730–$930/mo

Commercial truck

$120–$140/mo

Motor truck cargo

$45–$60/mo

General liability

What insurance can help protect

For-hire and private hauling

What you haul, who owns the cargo, and whether you operate for hire can change the coverage path.

Trucks, trailers, and cargo

Power units, trailers, cargo values, and physical damage values all shape the quote request.

Drivers, radius, and filings

Driver history, operating radius, states, contracts, and required filings affect carrier appetite.

Coverage to consider

Primary Auto Liability

A central trucking coverage for liability arising from covered commercial vehicles.

Motor Truck Cargo

Can address covered loss or damage to cargo you haul for customers.

Physical Damage

Can help protect scheduled tractors and trailers against covered collision or other damage.

General Liability

May address business risks that are separate from operating a covered truck on the road.

Workers Compensation

Relevant when the trucking business has employee drivers or other staff on payroll.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag, before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent typically replies by text or email in about 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

trucking questions?We have answers.

What insurance does a trucking company usually need?
Many trucking businesses start with primary auto liability and then evaluate cargo, physical damage, general liability, workers comp, and other requirements based on their operation.
What is the best business insurance for trucking companies?
The best trucking insurance depends on commodities, radius, states, drivers, equipment, loss history, contracts, filings, and whether the operation is for-hire or private carriage.
What information is needed for a trucking insurance quote?
Expect questions about power units, trailers, drivers, vehicle values, loss runs, commodities, cargo values, operating radius, states, contracts, and current coverage.
Can Kinro help with trucking certificates and filings?
Yes. Tell Kinro what a shipper, broker, customer, or government authority requested so the requirement can be included in the quote process.
Is a certificate of insurance the same as an FMCSA filing?
No. A certificate summarizes insurance for a recipient; it does not establish that a required federal filing is active. Confirm the policy effective dates and the filing and authority status separately before operating.
Does every trucking business need the same cargo insurance?
No. Federal cargo filing requirements apply to household-goods carriers and household-goods freight forwarders. Other carriers may still need cargo coverage under broker or shipper contracts. Review commodities, maximum load value, exclusions, and deductibles with a licensed agent.
What can change the price?
  • Vehicle type, cargo, operating radius, and DOT authority
  • Driver experience, inspection history, claims, and violations
  • Liability limits, physical damage, filings, and fleet size

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.

What insurance does a trucking company need?

Trucking companies often start with primary auto liability, then consider motor truck cargo, physical damage, general liability, workers comp, and other coverage based on what they haul, where they operate, their drivers, contracts, and filings.

  • The commodity, cargo value, operating radius, and for-hire or private-carriage status can change the available markets.
  • Tractors, trailers, drivers, vehicle values, and loss history are core inputs for a trucking insurance submission.
  • Shippers, brokers, federal or state requirements, and customer contracts may require specific limits, filings, or certificates.

When each coverage responds

When each trucking coverage responds
CoverageUsually responds toReview it when
Primary auto liabilityCovered liability for injuries or property damage caused by an insured truck. It does not replace cargo or physical damage coverage.Your authority, drivers, radius, vehicles, or shipper requirements change.
Motor truck cargoCovered loss of customers' freight. Commodity exclusions, theft conditions, deductibles, and load limits matter.You accept a new commodity, higher-value load, or a broker contract with different cargo requirements.
Physical damageCovered damage to insured equipment, subject to the policy's valuation and deductible. Cargo is a separate exposure.You buy, finance, lease, or replace a tractor or trailer.

Official sources

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