Trucking Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the trucking insurance cost tool
- Under “Coverage”, choose a row: commercial auto, general liability, workers’ compensation, motor truck cargo, surety bonds or cyber.
- Read the published figure per month and per year. For general liability the source states $1M per occurrence / $2M aggregate and a $750 deductible.
- Type your quote into “Your quote (optional)” and set “Quote is per” to month or year to match how it is written.
- Read “Your quote against it” for the gap as a percentage of the published median.
- Open “More options” and tick “Add to budget” for the coverages you want counted. Commercial auto and general liability are ticked at the start, which gives $10,400 a year ($867 a month).
- In “More options”, type “Annual revenue (optional)” and “Employees (optional)” to see the budget as a share of revenue and per employee.
Surety bonds have only a monthly figure ($60). The yearly amount, $720, is 12 times it and is marked with an asterisk in the table. Every result is an estimate only.
Everything on the page updates as you type, and the address bar keeps your settings, so you can copy the link or print the result. If a quote is in a different period from the figure, switch “Quote is per” before reading the gap. To compare another coverage against the same quote, choose a different row in “Coverage”. The table below the result lists all six published rows at once, with the extra shares Insureon gives for commercial auto, general liability and workers’ compensation.
What does the published trucking insurance cost figure mean?
Each figure is a median from Insureon’s trucking insurance cost page, updated 23 June 2025. Insureon says the estimates come from the median cost of small business insurance policies bought by its customers in the trucking industry, and that a median excludes outlier high and low premiums. The page also calls the same numbers averages. Half of the policies in the group cost more than a median and half cost less.
How are trucking insurance costs spread out?
Besides the medians, the source gives some shares. For commercial auto, 24% of trucking businesses pay less than $500 a month and 64% pay less than $1,000 a month. For general liability, 46% pay less than $50 a month, 70% pay less than $100, and 96% choose a $1M per-occurrence and $2M aggregate limit. For workers’ compensation, 32% pay less than $500 a month and 71% pay less than $1,000. The page shows these under “What else the source publishes”.
What affects trucking insurance cost?
Insureon lists business size, the services offered, truck types, annual revenue, cargo, the number of employees, claims history, limits and deductibles, distance traveled, location and DOT requirements. For commercial auto it adds vehicle value, how vehicles are used and driver history. The tool does not work out how each factor changes a price; it compares amounts.
What about surety bonds?
The source says a surety bond costs a percentage of the total bond amount, with a median of $60 a month, about $720 a year. It also notes that the FMCSA requires a $75,000 bond for freight brokers and forwarders. The tool shows only the published monthly median.
Why is a total of coverages not a bundle price?
Each row is one coverage on its own. The total in “More options” is a budget sum of separate medians, not a combined price. Ask a licensed insurer or agent for a package.
What do the revenue and employee boxes do?
They turn the budget into two ratios. With commercial auto and general liability ticked ($10,400 a year) and an annual revenue of $100,000, the budget is 10.4% of revenue. With 2 employees it is $5,200 a year per employee. The ratios use only what you type and are not published benchmarks.
How are monthly and yearly figures shown?
Insureon publishes a monthly and a yearly median for most rows, and the table shows both as published. A quote typed per month is multiplied by 12 before it is compared. For surety bonds the source gives $60 a month and says about $720 a year, so the yearly amount is marked as 12 times the monthly one.
Sources (checked 19 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| Commercial auto | 2 coverage(s) added up from the published medians: $867 a month, $10,400 a year |
| Commercial auto, quote $1,020 per month | Your quote of $1,020 a month ($12,240 a year) is 25% above the published median of $816 a month. |
| General liability, revenue $120,000 | 2 coverage(s) added up from the published medians: $867 a month, $10,400 a year |
| Commercial auto, revenue $150,000 | 2 coverage(s) added up from the published medians: $867 a month, $10,400 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
How much does trucking insurance cost?
In Insureon’s published medians, commercial auto is $816 a month, general liability $51, workers’ compensation $650, motor truck cargo $129, surety bonds $60 and cyber $129. Real prices depend on trucks, drivers, cargo, location and claims history.
Is my commercial auto quote high or low?
The tool gives the gap against $816 a month as a percentage. Because 24% of businesses in the source pay less than $500 a month and 64% less than $1,000, a single median hides a wide spread, so compare limits and trucks too.
Why are these figures from 2025?
The source page was updated on 23 June 2025. This page shows exactly what it published and does not adjust the numbers.
Does the tool give quotes or share my details?
No. It does arithmetic on published figures and what you type, in your browser, and asks for no contact details.
Does the budget include every coverage a trucker needs?
No. The budget adds only the rows you tick. Which coverages you need depends on your operation, contracts and state, and the tool does not decide that.
What does a surety bond cost in this tool?
The published median is $60 a month, about $720 a year. Insureon says a bond costs a percentage of the total bond amount, so your own price depends on the bond size and your credit.
Other published-cost pages for businesses and trades:
- Insurance cost by trade - every trade page in one list.
- Commercial auto insurance cost - published commercial auto figures for all businesses.
- General liability insurance cost - published liability figures.
- Workers comp insurance cost - published workers’ compensation figures.
- Workers comp calculator - work out a premium from payroll and a rate you type.
- Cyber liability insurance cost - the cyber row in more detail.
- Contractor insurance cost - another trade with vehicles and equipment.