Truck insurance by truck type
The kind of truck you drive changes the coverage you need, what the policy will not cover for your load, and the price. Pick yours below.
Hotshot truck insuranceA dually with a gooseneck or flatbed trailer$300,000 or $750,000 federal minimum, by combined weight rating; brokers usually ask $1M + $100K cargo$665 to $1,165 a month established, more for a new MC number
Box truck insuranceStraight trucks from 16 to 26 feet$750,000 federal minimum; Amazon Relay and most brokers usually ask $1M + $100K cargo
Other truck types
Flatbed truck insurance$750,000 federal minimum; brokers usually ask $1M + $100K cargo
Dump truck insurance$750,000 federal minimum across state lines; the state minimum for local work
Tow truck insurance$750,000 federal minimum; new Progressive tow customers pay a $355 a month median
Semi truck insurance$750,000 federal minimum; Progressive’s all for-hire truck average is $734 to $926 a month
Reefer truck insurance$750,000 federal minimum; brokers usually ask $1M + $100K cargo
Log truck insurance$750,000 federal minimum; Progressive Smart Haul saves new customers $1,261 on average
Tanker truck insurance$750,000 to $5,000,000 federal minimum, by load
Hazmat truck insurance$1,000,000 to $5,000,000 federal minimum, set by the material
Monthly figures from Trucking Insurance Services (hotshot) and Progressive Commercial (semi, tow and log), with federal minimums from 49 CFR 387.9.
The federal minimums apply to for-hire trucks that cross state lines, set by the combined weight rating of truck and trailer (GVWR), not the weight on one trip; a truck that stays in one state follows that state’s rules.
Get your rig priced by an agent
Hotshot Insure does not sell insurance. An independent agent who places hotshot and small truck policies prices your rig by phone, or you can send your details.