Truck Insurance Cost Estimator

Estimate your fleet's insurance costs and see a breakdown by coverage type.

What you enter

• Number of Trucks
• Years of Experience
• Operation Type

DispatchTool automatically factors insurance into your cost-per-mile calculations for accurate profitability tracking.

Frequently Asked Questions

How much does commercial truck insurance cost?

Average annual costs range from $8,000-$20,000 per truck for primary liability, cargo, and physical damage. New carriers and those with poor safety records pay more.

What insurance do trucking companies need?

Required: Primary liability ($750K-$1M), cargo insurance ($100K+). Recommended: Physical damage, bobtail, non-trucking liability, occupational accident, and general liability.

How can I lower my truck insurance costs?

Maintain a clean CSA score, increase deductibles, bundle policies, install safety cameras, complete driver safety training, and shop quotes from multiple carriers annually.