Compare CA Truck Insurance Quotes
To get the best deal on your semi truck insurance you need to shop around. Let us help by bringing you three California Truck Insurance Agents that will compete for your business.
Just fill out our short online form and you’ll get three competitive quotes from three top agents in CA. Easy!
How Much Does Truck Insurance Cost In California?
The average cost for commercial truck insurance in CA is $14,189.
Most premiums range from $12,094 to $16,563.
These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are many factors that influence the cost such as: what you are hauling, your driving history, and how long you have been in business.
2 Real Examples Of Truck Insurance Costs In CA
1 Truck Based in Bakersfield
|Experience||Over 3 Years|
|Radius||Interstate, Below 500 Miles|
|Cargo||General Freight, Building Materials, Produce, Beverages|
1 Truck Based in Bakersfield
|Experience||Less Than 2 Years|
|Radius||Interstate, Unlimited Miles|
Perhaps the largest variable for what you will pay is the insurance company that you choose. For truck insurance, it’s common for prices to vary by thousands of dollars for the same trucker! We’ve seen differences that can even be over $10,000 for the same operation.
You can’t control how long you’ve been in business, but you can control what insurance company you choose.
So it really pays to shop around. Our service makes it easy to get quotes from different companies, so you can zero in on the best coverage and cost combination for your trucking business. Compare quotes and lower your insurance costs here.
3 Truck Insurance Agents in California
You need agents that specialize in truck insurance to get the right coverage at the best price. We’ve done that and located three of the best truck insurance agents in CA. With three agents quoting your policy you will have much broader access to the entire market of truck insurance companies. The agents will fight hard to earn your business, but only one will emerge the champion.
Shopping for truck insurance has never been this efficient. Don’t waste your time hunting down three agents. Instead, let them come to you. Let’s get started!
Commercial Truck Insurance Companies in California
Finding the best trucking insurance company in CA for your operation can result in huge savings. Some of the insurance carriers with the best prices can be hard to find though.
The companies below write 69% of the truck insurance polices in CA.
Top 10 Truck Insurance Companies in CA
- Arch Insurance
- Crusader Insurance Company
- Dongbu / DB Insurance
- Great West
- United Specialty
There are also over a dozen truck insurance carriers in CA that have the remaining 31% marketshare.
You do have choices when it comes to your insurance and we can help you. It’s just a matter of smart comparison shopping to get the best deal.
Compare quotes from different companies here.
Trucking Ins. Coverages
California and the FMCSA have specific insurance requirements for semis. If you have your own authority, some coverages are mandatory, like primary liability. If you are a leased owner operator, you may be looking for just physical damage truck insurance, bobtail coverage or non trucking liability.
No matter what type of coverage your operation needs, you’ll get quotes from three truck insurance brokers. Click on a coverage below to learn more about it, then fill out our short form to get your quotes.
California Truck Insurance Requirements
California state law requires local truck drivers and new ventures to maintain a minimum amount of liability insurance. How much you need depends on the type of freight you haul and where you haul it. If you don’t cross state lines and your truck is over 10,000 GVW, you must get a CA Intrastate ID Number (T#) and be insured up to the following levels:
|$1,000,000||Liability Insurance (Oil Transport)|
|$5,000,000||Liability Insurance (Hazmat)|
|$300,000||Liability Insurance (Household Goods)|
|$750,000||Liability Insurance (General Freight)|
|$20,000/vehicle and $20,000/catastrophe||Cargo Insurance (Intrastate household goods movers and interstate contract carriers)|
The insurance requirements for truck drivers who drive through multiple states are more thorough. You must meet the above, and you must meet all the semi truck insurance requirements laid out by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.
Both California and the USDOT require certain filings be submitted by your insurance agent. Your insurance agent or insurance company should take care of these filings for you. These forms show the government that all your DOT truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:
- Form MCS-90
- Form H
- The BMC-91
Specific Insurance for Owner-Operators in California
Whatever type of operation you’re running, we’ve got your back. Our agents have access to cheap truck insurance for all of the following operation types:
Handy California Trucking Resources
Your Operation is Unique
You might be a local or a long hauler, a new venture or a hotshot. You may be a leased owner operator from Los Angeles or a fleet manager in San Diego. Maybe you haul refrigerated foods or heavy equipment. All that to say, no two trucking companies are alike. Your insurance policies need to be put together specifically for you.
Since different truck insurance companies prefer different types of risks, it’s smart to shop around and find a company that is competitive with writing insurance for your specific situation. The bottom line is that you want cheap truck insurance without sacrificing coverage.
The Golden State
There is no other state like California. Although some jerks on the east joke that they wish California would detach from the mainland and become its own county, we know they are uninformed. Who else can boast having Yosemite, the best beaches, Hollywood, and giant Sequoias? No one can. In a state that is first in the nation for setting trends, you’ll be happy to know that you can also be among the first to shop for truck insurance in a whole new way. Using our service will make the shopping process simple, quick, and effective.
Get 3 Competitive quotes in all California cities
No matter what city you live, our network of California insurance agents are ready to help. We cover all cities including…