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How Much Does Long Haul Trucking Insurance Cost?

by Fred Podris. Updated on Nov 29, 2019

Looking for a long haul trucking insurance quote? How about 3 quotes?

Long Haul Trucking Insurance Quotes

To get the best deal on your trucking insurance, you need to shop around. We can help you by bringing you 3 agents that will compete for your policy. It’s fast and efficient.

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Although it’s true that every long haul truck insurance policy is different, long haulers can expect to pay slightly more on average than truckers operating within a smaller radius. The table below represents average rates for the various coverages. Your quote will depend on several factors and may be better than the averages.

What does Long Haul Trucking Insurance Cost?

CoverageAverage Cost
Primary Liability$4000-5000
General Liability$200-600
Umbrella Policy$200-500
Physical Damage$2250-3000
Bobtail Insurance$350-400
Un-/Underinsured Motorist$50-100
Occupational Accident$1600-2200
Cargo InsuranceVaries
Other EndorsementsVaries

3 Ways to Lower Your Long Haul Truck Insurance Price

1. Compare Prices from Several Long Haul Insurance Companies

The price of long haul trucking insurance can go up or down based on several factors. The best thing you can do to lower your premium is to simply compare rates between different long haul truck insurance companies. When you’re drawing from a larger pool, there is a much better chance that you’ll get a better deal.

2. Pay in Fewer Installments

Most truckers—and most drivers, for that matter—choose to pay their insurance on a month-to-month basis. This is often the only option for most budgets. But long haul insurance companies do offer discounts to customers who pay their premiums in yearly installments instead. If you can manage to pay your entire premium at the beginning of the year, do it. It might save you as much as 10% off your premium.

3. Request a Higher Deductible

When cash is truly tight, you can opt into a policy with a higher than normal deductible. Your premium will be cut, but in the event of an accident, you will have to pay a higher amount to your insurance company than you would have normally. It’s typically better to err on the side of caution and choose the regular deductible amount, which will save you in the long run.

How Does a Long Haul Trucking Insurance Company Calculate My Rate?

You may be wondering why some truckers pay more for coverage than others. Well, truck insurance companies use complicated formulas to determine how much of a risk any individual customer is to insure. They use variables such as the customer’s driving record, location, age, credit rating, MVR report, and gender to access their risk. These factors are largely out of your control now, but if you continue to have a solid driving record, you’ll see your premium creep lower and lower over the years.

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Disclaimer: Commercial Truck Quotes LLC is a nationally licensed insurance agency and has created the content of this website with the aim to provide you the most up to date and accurate information possible. This information, however, does not come with any warranty, and should not be received as personal financial advice. Insurance terminology varies from state to state. Your coverages and how they are governed are decided by the language in your insurance policy.
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