Calculate food truck insurance costs. Commercial auto, GL, property, and food contamination coverage for mobile food vendors. Based on 2026 insurance data.
Calculate Your PremiumFood truck insurance combines commercial auto coverage with restaurant-style general liability. Your truck is both a vehicle and a business, requiring specialized coverage for both driving risks and food service liabilities.
In 2026, food truck insurance costs $3,000-$7,000 per year. Commercial auto is the largest expense ($2,000-$5,000). Many cities, events, and commissary kitchens require proof of insurance before you can operate.