Calculate trucking insurance costs for your fleet. Semi-trucks, cargo, liability coverage. Based on 2026 FMCSA and NAIC industry data.
Calculate Your PremiumTrucking insurance (also called commercial truck insurance or motor carrier insurance) is specialized coverage for semi-trucks, tractor-trailers, and other commercial vehicles used in the transportation industry. Unlike personal auto insurance, trucking insurance must meet federal FMCSA requirements and covers unique risks like cargo damage and interstate liability.
In 2026, the average cost of trucking insurance ranges from $10,000 to $20,000 per year for a single semi-truck, depending on factors like operating radius, cargo type, and driver experience. Fleet operators with 50+ trucks can save up to 25% through volume discounts.
Semi-trucks cost more to insure than box trucks. Tankers carrying hazmat are the most expensive.
Local operations pay less. Nationwide long-haul trucking adds 25-50% to premiums.
Primary liability is mandatory. Add cargo, physical damage, and bobtail as needed.
Larger fleets get better rates: 3-5 trucks (5% off), 50+ trucks (25% off).