Comprehensive commercial trucking insurance designed for fleets of 10+ trucks. Get access to multiple carriers, dedicated account management, and 40+ years of trucking expertise.
Fleet insurance built for growing trucking companies.
Fleet insurance is commercial trucking coverage designed for motor carriers operating 10 or more trucks. It bundles multiple coverages into one coordinated policy, giving you protection across your entire operation. Instead of insuring each truck individually, fleet insurance simplifies management, often reduces costs per truck, and ensures consistent coverage across your drivers and equipment. Whether you run 10 trucks or 100+, fleet insurance keeps you compliant with FMCSA regulations and protects your assets.
Custom coverage for fleets of all sizes.
What does fleet insurance cover?
- Primary Liability – Covers bodily injury and property damage your drivers cause while hauling freight (FMCSA minimum: $750,000; most shippers require $1M+)
- Cargo Insurance – Protects the freight your fleet is hauling if it’s damaged, lost, or stolen
- Physical Damage – Covers repairs or replacement for your trucks if damaged in accidents, weather, or theft
- General Liability – Protects your business from non-trucking claims like slip-and-fall or property damage at terminals
- Workers’ Compensation – Required in most states if you have employee drivers
- Non-Trucking Liability / Bobtail – Covers drivers when operating trucks off-dispatch or for personal use
- Trailer Interchange – Covers trailers you don’t own but are hauling under agreement
Not sure what your fleet needs? We’ll audit your operation and recommend coverage based on your freight type, customer contracts, and state requirements.
Why choose Truck Writers?
We’ve been insuring trucking companies for over 40 years. You’ll work with the same dedicated account team every time. Your account manager knows your operation, your drivers, and your coverage inside and out.
As an independent agency, we shop your coverage across dozens of insurance providers to find the best price and terms. We only work with motor carriers, so we understand your pain points: rising premiums, thin margins, driver turnover, shipper demands, and DOT compliance.
Most fleet quotes are delivered within 48 to 72 hours, and we’ll help you identify risk factors and improve safety scores to reduce claims over time.
Request a Custom Fleet Quote
How it works.
- Request a Quote – Complete our quick form or call us. We’ll ask about your fleet size, freight type, driver profiles, and coverage needs.
- We Audit Your Current Coverage – If you already have a policy, we’ll review it to identify gaps, overlaps, or areas where you’re overpaying.
- We Shop Multiple Carriers – We compare quotes across our network of trucking insurance providers to find the best coverage at the best price.
- Review Your Options – We’ll walk you through your quote, explain what’s included, and answer questions about deductibles and optional coverages.
- Get Covered – We handle the paperwork, coordinate FMCSA filings, and issue your certificates of insurance. Most fleets are covered within days.
Common questions.
How much does fleet insurance cost per truck?
Most fleets pay between $750 and $2,500 per truck per month depending on fleet size, freight type, driver experience, and coverage limits.
What’s the difference between fleet insurance and commercial truck insurance?
Fleet insurance is designed for motor carriers with 10+ trucks and bundles coverage across the entire operation. Commercial truck insurance is often used for smaller operations (1-9 trucks).
Can I add new trucks to my fleet policy mid-term?
Yes. Most fleet policies allow you to add or remove trucks throughout the policy period. We’ll handle the paperwork and adjust your premium accordingly.
Ready to protect your fleet?
You built your fleet to grow your business, not to deal with insurance headaches. With 40+ years of trucking expertise, dedicated account management, and access to dozens of carriers, we’ll find the right coverage at the right price.
Call us at or complete our quick online form.
Get Your Free Fleet Quote
Fleet Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
