Question 1

How much does commercial trucking insurance cost?

Accepted Answer

Coverage cost depends on your operation, equipment, drivers, freight type, and operating radius. New authority policies typically start at several thousand dollars per truck annually. We shop multiple carriers to find competitive terms for your specific situation. Submit a quote request so we can provide accurate pricing based on your details.

Question 2

Which states are you licensed in?

Accepted Answer

We are licensed to write commercial trucking insurance in nine states: Alabama, Florida, Georgia, Indiana, Kentucky, Missouri, North Carolina, Tennessee, and Texas. We work with motor carriers garaged in these states.

Question 3

Do you work with new authority?

Accepted Answer

Yes. We specialize in working with new ventures and new FMCSA authority holders. Whether you have prior trucking experience or are starting your first operation, we can help you understand your insurance requirements and find coverage.

Question 4

What is BMC-91 and who files it?

Accepted Answer

BMC-91 (and BMC-91X for freight brokers) is the FMCSA form that proves you carry required liability insurance. Your insurance company files this form electronically with FMCSA on your behalf. You don't file it yourself. We work with carriers who handle this filing as part of your policy.

Question 5

What documents do I need to get a quote?

Accepted Answer

Basic quotes require your DOT/MC numbers, driver information (license, DOT, MVR), and equipment details (VIN, year, make, model, value). If you have prior insurance, provide loss runs. IFTA quarterly reports help demonstrate established operations. New ventures can get quotes with just driver and equipment details.

Question 6

How fast can I get a quote?

Accepted Answer

We respond to quote requests within 1-2 business days by email. Complex operations or new authority may require additional underwriting review. Rush requests are possible but not guaranteed. Contact us at darin@insuredtrucking.com with your details.

Question 7

Do you insure small fleets?

Accepted Answer

Yes. We work with owner-operators running one truck and small fleets up to about 10 trucks. Our focus is on for-hire general freight, flatbed, and reefer operations. We serve independent operators and growing companies.

Question 8

What if I only have 2-3 trucks?

Accepted Answer

That's exactly our market. We specialize in small operations. Whether you operate 1 truck or 10 trucks, we can help you find coverage for your for-hire trucking business.

Commercial Trucking Insurance for Owner-Operators

Coverage for Your Trucking Operation

New Authority

State Requirements

Freight Types We Cover

General Freight

Flatbed

Reefer

The Equipment We Insure

On the Road

Day Cabs

Classic Rigs

How We Work

Send Your Details

We Shop Markets

Review Terms by Email

Bind + Filings

Frequently Asked Questions

States We Serve

About Affordable Truck Insurance Inc