Insurance for the trucks that keep America moving
Get a truck insurance quote
Three short steps. An agent calls you to finish.
Step 1 of 3
One truck or a full fleet. We shop multiple truck insurance carriers and bring back options you can understand, with an agent who picks up the phone.
Se habla español
- 15+ years in trucking insurance
- Single trucks to full fleets
- Multiple carriers, one agent
Free tools for truckers
Every tool is free. Run a quick check, then enter your name, phone and email to get the full report sent to you. A licensed agent reviews every result with you.
Safety Risk Score
See your out-of-service rates against the national average, what insurers will weigh most, and how to bring your score down before renewal.
IFTA Exposure Snapshot
See your real operating radius and how it's likely classified.
Coming soon"Am I Overpaying?" Check
Compare your premium per truck to carriers like yours.
Coming soonEquipment Risk Snapshot
See how your fleet's age and makeup shape your price.
Coming soonClean Authority Check
Check authority status, history and insurance filings.
Coming soonNew Authority Insurance Cost Navigator
See typical year-one insurance costs for a new authority.
Run it freeCoverage Requirements Checker
See the federal minimums and what brokers typically require.
Run it free15+ years in trucking
Insuring owner-operators and fleets since 2011.
Licensed in 11 states
Headquartered in Florida.
Multiple carriers
We shop your truck with several insurers, not just one.
MCIEF certified
Our vice president holds the TRS and TCS designations.
Coverage options vary by carrier, operation and state.
Coverage that fits how you run
Pick the way you operate. You'll see the coverage it usually calls for, what has to be on file, and a tip from our agents.
Federal floor for most for-hire freight trucks 10,001 lbs or more that cross state lines. Hazmat loads call for $1M–$5M. Brokers and shippers often ask for more.
Source: federal insurance filing requirements, 49 CFR 387.303
Three steps to covered
You tell us about your operation once. We take it to the market and come back with options you can understand.
Tell us about your truck
Use the short form or call us. Having these ready speeds things up:
- USDOT and MC numbers, if you have them
- CDL experience for each driver
- Year, make and VIN for each truck
- Where the trucks are kept overnight
- What you haul and how far you run
- Current policy and loss runs, if insured before (your agent reviews them as part of the quote)
We shop multiple carriers
As an independent agency, we take your details to several truck insurance carriers instead of just one.
Your agent walks you through it
You see the options side by side in plain language, ask anything, and choose what fits your trucks and budget.
We will call you back as soon as possible.
One call, more than one carrier
| Question | Buying from one insurer | Working with us |
|---|---|---|
| Options you see | That company's policies | Quotes from multiple carriers |
| Who helps you | Whoever answers the line | Your own agent, by name |
| After you buy | You contact the insurer for each request | We help with certificates, claims and changes |
| At renewal | Take the offer or start over | We can compare carriers again |
Road-ready answers
Plain guides written by our agents for the questions truckers ask us every week.
Starting a new authority: the insurance steps
What must be on file before your MC number can go active, and how to line it up early.
See the new-authority checklist ExplainerWhat drives the cost of truck insurance
The factors underwriters look at and the ones you can change.
Ask an agent How-toGetting a certificate of insurance
Existing clients: request certificates the way your welcome packet describes, or call us.
How certificates workAlready insured with us?
Certificates
Existing clients: request certificates the way your welcome packet describes, or call (305) 200-5065.
Report a claim
First steps, the right phone number for your carrier, and what to have ready.
Make a payment
Links to each carrier's payment and policy portal in one place.
Call your agent
Changes, new trucks, new drivers. One call to the people who know your policy.
Straight answers
Don't see your question? Call and ask. There's no charge to talk it through.
How much liability insurance does my truck need?
For most for-hire trucks rated 10,001 lbs or more that haul general freight across state lines, federal rules set the minimum at $750,000. Hazardous materials call for $1 million or $5 million depending on the load. Many brokers and shippers ask for more than the minimum.
Do I need cargo insurance?
Federal rules require cargo coverage only for household goods carriers. In practice, most brokers and shippers ask for it before they give you a load, so most owner-operators and fleets carry it.
Can I get insured before my MC number is active?
Yes, and you have to. Operating authority isn’t granted until the minimum insurance is on file, so the insurance step comes before your first load.
What's the difference between primary and non-trucking liability?
Primary liability covers you while you haul under your own authority. Non-trucking liability is for owner-operators leased to a carrier, and covers the truck when it is used outside that carrier's dispatch.
Do you insure truckers outside Florida?
Yes. We're headquartered in Florida and licensed in FL, GA, IN, MS, NC, OH, PA, SC, SD, TN and VA. Call us and an agent will confirm what we can write for your state and operation.
Drive with confidence
Talk to an agent today. Bring your questions, your USDOT number and your current policy if you have one. Office hours: Mon–Fri 9 AM–5 PM ET. Se habla español.
(305) 200-5065Our office
- Phone
- (305) 200-5065
Se habla español - Hours
- Mon–Fri 9 AM–5 PM ET
Claims and payments: 24/7 through your insurer's claim lines and payment links in our Client Center. - support@assurancegroupofamerica.com