Built for U.S. small businesses
Trucking insurance help built around your operation.
Compare liability, cargo, and physical damage options for your operation.
Find coverage in about 2 minutes
Prefer to talk?
Access to 50+ insurance companies, with help comparing the options that fit your business.
What you’ll get
Coverage picked for your business
Options from available carriers
Agent follow-up within 2 minutes
Typical monthly costs
How much does trucking insurance cost?
Commercial truck
$730–$930/mo
Motor truck cargo
$120–$140/mo
General liability
$45–$60/mo
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.
Real-world risks
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.
The short answer
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.
Common starting points
Coverage that may fit trucking businesses and owner-operators
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.
Ready to see your options?
Start with your ZIP · response within 2 minutes
How it works
- 01
Enter your ZIP
We use it to check state rules and carrier availability.
- 02
Hear from Kinro
A licensed agent texts or emails you within 2 minutes.
- 03
Review your options
Compare relevant coverage, carrier options, and price.
No obligation. Final coverage and pricing depend on underwriting.
Trucking insurance FAQ
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.
Ready to see your options?
Start with your ZIP · response within 2 minutes
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.
- Before every renewal, we shop the market again to find our clients the best available price.