Primary Auto Liability
Protection for bodily injury and property damage when a covered commercial vehicle is involved in an at-fault accident.
Learn about this coverage
Built for motor carriers
Commercial Auto Insurance for Trucking Businesses
Protect your trucks, drivers, authority, and balance sheet with coverage structured around how your operation actually runs—from one owner-operator to a growing fleet.
Owner-operators & fleets
A-rated carrier access
Filings & certificates
Coverage built around your operation
Vehicle class, cargo, radius, contracts, and filings all matter.
One truck or an entire fleet
Programs for new ventures, owner-operators, and established motor carriers.
Help beyond the policy
Certificates, lender loss payees, and eligible regulatory filings coordinated.
Commercial trucking protection
A business auto policy designed for the road you run
Personal auto insurance is not built for hauling freight, operating under motor-carrier authority, or satisfying shipper contracts. A trucking commercial auto policy accounts for the vehicles, drivers, cargo, routes, contracts, and compliance obligations behind your business.
TruxSurance works with trucking-focused markets to help match coverage to your operation. We review the details that change eligibility and price so you can compare realistic options—not a stripped-down estimate that changes at binding.
Semi tractors and tractor-trailers
Box trucks and straight trucks
Hotshot pickups and gooseneck trailers
Dump trucks and construction vehicles
Tow trucks and roadside-service units
Refrigerated and dry-van fleets
Auto haulers and car carriers
Local delivery vans and service vehicles
Build the right program
Coverage options for your trucking operation
Commercial auto is the foundation. These related coverages can protect the truck, freight, trailers, premises, and contractual liability around it.
Physical Damage
Collision and comprehensive protection for tractors, straight trucks, pickups, trailers, and permanently attached equipment.
Learn about this coverageMotor Truck Cargo
Coverage for the freight in your care, custody, or control, structured around the commodities and contracts you haul.
Learn about this coverageTrailer Interchange
Physical damage coverage for non-owned trailers you pull under a written trailer interchange agreement.
Learn about this coverageHired & Non-Owned Auto
Liability protection when your business uses rented, leased, borrowed, or employee-owned vehicles for work.
Learn about this coverageGeneral & Excess Liability
Broader premises and operations protection, plus higher limits when contracts require more than the primary policy provides.
Learn about this coverageFilings, certificates, and contract requirements
Operating authority and customer contracts can require more than an insurance ID card. Depending on the operation and selected policy, proof may include federal or state filings, an MCS-90 endorsement, certificates naming additional insureds, lender loss-payee language, or specialized port and intermodal requirements.
We review those requirements before binding and coordinate eligible filings and certificates after coverage is placed. Intermodal carriers can also explore our dedicated UIIA insurance options.
What to prepare for an accurate quote
A complete submission helps underwriters evaluate the operation faster and reduces last-minute changes.
- USDOT and MC numbers, if your operation has authority
- Driver names, dates of birth, license details, and driving history
- Vehicle year, make, model, VIN, stated value, and garaging location
- Commodities hauled, operating radius, annual mileage, and revenue
- Current declarations pages and currently valued loss runs
- Desired effective date and any shipper, broker, or filing requirements
Pricing factors
What determines commercial auto insurance cost?
There is no responsible one-price-fits-all estimate for trucking. Underwriters evaluate the entire operation.
Drivers
Experience, MVRs, license class, age, and driver turnover
Equipment
Vehicle type, stated value, age, safety technology, and garaging
Operations
Radius, mileage, commodities, contracts, revenue, and fleet size
Coverage
Limits, deductibles, filings, payment plan, and prior loss history
Commercial auto FAQ
Questions trucking businesses ask
What does commercial auto insurance cover for a trucking company?
A trucking commercial auto policy can include primary liability, physical damage, medical payments, uninsured or underinsured motorist protection, and state-specific coverages. Cargo, trailer interchange, general liability, and excess liability are commonly added as separate coverages to complete the trucking program.
How much commercial auto liability does a motor carrier need?
The correct limit depends on authority type, commodities, vehicle weight, contracts, and state or federal rules. Many for-hire property carriers carry at least $750,000, while brokers and shippers commonly require $1,000,000. Certain passenger, oil, and hazardous-material operations can require higher limits.
Can TruxSurance handle FMCSA and state filings?
When the selected carrier and policy support the required filing, our team coordinates proof of financial responsibility such as BMC-91 or BMC-91X filings and the MCS-90 endorsement. We also help identify state and contract certificate requirements before binding.
Can a new trucking authority get commercial auto coverage?
Yes. New ventures can qualify with the right driver history, equipment, operating plan, commodities, radius, and safety controls. Available carriers, down payment, and pricing vary by the full risk profile.
What affects the price of a trucking commercial auto policy?
Pricing is influenced by driver records, years in business, loss history, vehicle values, fleet size, garaging state, radius, mileage, commodities, filings, limits, deductibles, and payment plan. Complete and accurate information helps carriers produce a reliable quote.