Trucking insurance, shopped across 20+ carriers
Commercial trucking insurance is a layered program — primary auto liability, motor truck cargo, physical damage, and ancillary protections — designed for for-hire and private motor carriers operating commercial motor vehicles.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable trucking insurance in NV, AZ, UT, TX & OH
Any business or owner-operator in NV, TX, OH, UT, or AZ operating a commercial motor vehicle (CMV) for hire or to haul its own goods. Interstate for-hire carriers comply with FMCSA minimums (49 CFR Part 387); intrastate carriers meet their state DOT or PUC requirements.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Trucking insurance at a glance
- Primary auto liability is the non-negotiable coverage for every trucker. Every for-hire carrier and owner-operator operating a commercial motor vehicle must carry primary auto liability; FMCSA sets minimum limits of $750,000 for most general freight, $1,000,000 for certain oil/gas transport, and $5,000,000 for hazardous materials.
- Motor truck cargo protects the freight you haul. Cargo insurance is required by most shippers, brokers, and load boards as a condition of freight awards, even though FMCSA only mandates it for household-goods movers; $100,000 is a common minimum, and many shippers require $250,000 or more.
- FMCSA filings are required for interstate commerce. Interstate for-hire carriers must file an MCS-90 endorsement and BMC-91 or BMC-91X with FMCSA to operate legally; failure to maintain active filings results in loss of operating authority and possible DOT roadside shutdown.
- Nevada-based carriers often run multi-state routes. Las Vegas and the I-15 corridor are major freight arteries connecting California, Arizona, and Utah; Nevada-based trucking operations frequently need policies covering multi-state operations and FMCSA-compliant filings.
Source: FMCSA, Financial Responsibility Requirements (current): minimum primary liability for general freight is $750,000; for hazmat $5,000,000. Industry data per Logrock and TruckSmarter (2025): owner-operators carrying full coverage (liability + cargo + physical damage) typically pay $8,000–$17,000+/year. https://www.fmcsa.dot.gov/registration/financial-security
Coverage explained
What trucking insurance covers
The details
The parts of a trucking policy
| Coverage | What it covers | Typically |
|---|---|---|
| Primary Auto Liability | Pays bodily injury and property damage to third parties when a covered truck is at fault in an accident while under dispatch. | Required |
| Motor Truck Cargo | Pays for loss or damage to freight being hauled, including theft, fire, and collision damage to the load. | Recommended |
| Physical Damage (Collision and Comprehensive) | Pays to repair or replace the truck and trailer after a collision, rollover, fire, theft, or vandalism. | Recommended |
| Non-Trucking Liability (Bobtail) | Pays liability for accidents that occur while driving the truck off-dispatch and not under a load, protecting owner-operators leased to a carrier. | Recommended |
| General Liability | Pays for bodily injury or property damage claims arising from non-driving operations such as loading, unloading, or premises incidents. | Recommended |
| Occupational Accident | Provides accident medical, disability, and accidental death benefits for owner-operators and 1099 drivers who are not covered by workers compensation. | Recommended |
| Workers Compensation | Pays medical costs and lost wages for employee drivers injured on the job, as required by state law where employees are present. | Required |
| Uninsured/Underinsured Motorist | Pays for injuries or damage to the insured truck and driver when the at-fault party carries no insurance or insufficient coverage. | Varies by state |
| Trailer Interchange | Pays for damage to a trailer the trucker is pulling under a written interchange agreement but does not own. | Optional |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does trucking insurance work?
A motor carrier policy bundles the core coverages that interstate and intrastate trucking operations need under one program. When an owner-operator or fleet truck causes a highway accident that injures another driver or destroys property, primary auto liability responds first. Cargo coverage pays if the freight is damaged, stolen, or lost in transit. Physical damage covers repair or replacement of the truck and trailer after a collision, rollover, fire, or theft. Because the FMCSA requires proof of financial responsibility before a carrier authority is issued, the insurer files a BMC-91 or MCS-90 endorsement directly with regulators, making the policy effective as a federal filing.
Pricing
What does trucking insurance cost?
Commercial trucking insurance premiums depend heavily on cargo class, driver records, annual mileage, loss history, and haul radius. These are typical annual ranges for common trucking operations.
| Operation type | Typical annual liability premium | Notes |
|---|---|---|
| Owner-operator (OTR general freight) | ~$8,000–$16,000/yr | Per unit; varies with driving record |
| Small fleet (2–5 units, regional) | ~$6,000–$12,000/unit/yr | Better rates with strong safety record |
| Hazmat transport | ~$12,000–$25,000+/unit/yr | High risk, $5M FMCSA minimum |
Typical ranges for primary auto liability only; cargo, physical damage, and general liability add additional cost. Rates vary significantly by driver history, loss experience, radius, and cargo class.
Source: Logrock, Truck Insurance Costs 2025 / TruckSmarter, Owner-Operator Insurance (2026): owner-operators average $11,000–$17,000/year for full coverage; industry premiums hit $0.102/mile in 2024. https://www.logrock.com/insurance-costs-and-quoting/what-does-commercial-truck-insurance-cost-in-2025-%F0%9F%93%A6%F0%9F%9A%9B/
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
Save more
Ways to save on trucking insurance
- Maintain a clean MVR for all drivers. Driver record is the single largest factor in trucking liability premiums; annual MVR checks and minimum hiring standards (CDL class, violation limits) directly reduce rates.
- Add ELD and telematics. Electronic logging device compliance combined with GPS telematics and safety scoring demonstrates risk quality to underwriters and can earn 5–15% premium credits.
- Build a three-to-five-year clean loss history. A favorable loss ratio over three to five years earns the more competitive trucking rates at renewal; invest in safety, driver training, and preventive maintenance to build this record.
- Choose higher physical damage deductibles. Electing a higher per-unit collision deductible reduces annual premium; appropriate for owner-operators or fleets with adequate reserves for minor repairs.
- Consolidate all coverages with one trucking program insurer. Placing liability, cargo, physical damage, and general liability with a single trucking-program carrier reduces total premium, simplifies certificates, and streamlines claims.
- Pay the full annual premium upfront. Many trucking carriers offer 3–5% discounts for annual lump-sum payment.
Source: Logrock, Truck Insurance Costs 2025: ELD/telematics, clean MVRs, and consolidating with a program carrier are the top cost-reduction strategies for commercial trucking. https://www.logrock.com/insurance-costs-and-quoting/what-does-commercial-truck-insurance-cost-in-2025-%F0%9F%93%A6%F0%9F%9A%9B/
Industries we cover
Trucking we insure
Questions
Trucking insurance FAQ
What's the difference between interstate and intrastate trucking for insurance?
Does an independent agency place all coverages with one carrier?
What FMCSA filings must an interstate for-hire carrier maintain?
How much does trucking insurance cost?
What is the MCS-90 endorsement and why does every interstate carrier need it?
Does my trucking liability policy cover cargo damage?
What is non-trucking (bobtail) liability and do I need it as an owner-operator?
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