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Idaho Commercial Truck Insurance

by Fred Podris. Updated on Aug 27, 2020

Are you looking for a Commercial Truck Insurance Quote in Idaho? Well, don’t get just 1 quote, get 3!

3 Idaho Commercial Truck Insurance Quotes

Compare Idaho Truck Insurance Quotes

To get the best price on your semi truck insurance you need to get multiple quotes. Let us help by bringing you three Idaho Truck Insurance Agents that will compete for your business.

Fill out one short online form and you’ll get three competitive quotes from three top agents in ID. Easy!

ID Trucking Insurance Quotes

How Much Does Truck Insurance Cost In Idaho?

The average cost for commercial truck insurance in ID is $9,703.

Most premiums range from $6,658 to $10,595.

These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are lots of things that drive 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 ID

1 Truck Based in Eagle

ExperienceOver 3 Years
RadiusInterstate, Below 500 Miles
CargoGeneral Freight, Building Materials, Machinery
OperationFor Hire
Premium$6,658/yr

1 Truck Based in Nezperce

ExperienceOver 3 Years
RadiusInterstate, Unlimited Miles
CargoGeneral Freight, Motor Vehicles, Grain/Feed/Hay, Farm Supplies, Construction
OperationFor Hire, Private Property
Premium$9,710/yr

The most important factor for what you will pay is the insurance company that you choose. For truck insurance, it’s the norm 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 Idaho

Getting the right coverage at the best rate requires agents that specialize in truck insurance, and that is exactly what we’ll bring you. By having three agents quote your policy you will have much broader access to the truck insurance companies.

We’ve done the hard work for you and located three of the top truck insurance agents in ID. The agents, like alpha-rams, will lock horns in their fight to earn your policy, but only one will emerge the winner.

With three extremely competitive quotes to choose from, you will be able to quickly find the best policy at the best price. Shopping for truck insurance has never been this easy or efficient.

Don’t waste your time hunting down three agents. Let them come to you. Let’s get started!

Commercial Truck Insurance Companies in Idaho

Finding the best trucking insurance company in ID for your business can save you thousands. Some of the insurance carriers with the best prices can be difficult to find though.

The companies below write 89% of the truck insurance polices in ID.

Top 10 Truck Insurance Companies in ID

  • Auto Owners
  • Berkshire
  • Great West
  • IAT Insurance Group
  • Lancer
  • Northland
  • Progressive
  • Sentry
  • Wesco
  • Western Community Insurance Company

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The ID truck insurance carriers listed above are based on their market share for 1-truck, interstate operations.

There are also over a dozen truck insurance carriers in ID that have the remaining 11% marketshare.

You do have choices when it comes to insuring your truck and we can help you. It’s just a matter of smart comparison shopping to get the best combination of prices and coverage.

Compare quotes from different companies here.

Trucking Ins. Coverages

The FMCSA and the state of Idaho have specific insurance requirements for semis. idaho commercial truck insuranceSome coverages are mandatory, like primary liability, while others, such as physical damage truck insurance and bobtail coverage are just smart to have.

No matter what type of coverage your operation needs, we can have three truck insurance brokers give you a quote.

Click on a coverage below to learn more about it, then fill out our short form to get your three quotes.

  • Primary Liability
  • General Liability
  • Physical Damage
  • Motor Truck Cargo
  • Bobtail Insurance and Non Trucking Liability Insurance
  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella Policy

Idaho Truck Insurance Requirements

Idaho state law asks local truckers and new ventures to have a certain amount of liability insurance. How much you need is determined by what freight you pull and where you pull it. If you never leave the state and your truck is over 26,000 GVW, you must maintain a minium level of insurance:

$5,000,000Liability Insurance (Hazmat)
$300,000Liability Insurance (Household Goods)
$750,000Liability Insurance (General Freight)
$1,000,000Liability Insurance (Oil Transport)

The insurance requirements for truck drivers who drive through multiple states go into further detail. You must meet the above, and you must be in compliance with all the semi truck insurance requirements recommended by the federal government. Most federal liability limits are between $750,000 and $1,000,000.

Both Idaho and the FMCSA require certain filings be submitted by your insurance agent. Your agent or insurance company will prepare these filings for you. These forms tell the government that all your DOT truck insurance requirements are fulfilled. They must be filed before you can get your authority. Some common forms include:

  • The BMC-93
  • Form MCS-92
  • Form E
  • Form H

Tailored Insurance for Owner Operators in Idaho

No matter what type of operation you’re running, we have you covered. Our agents can find cheap truck insurance for all of the following operation types:

  • New Entrant
  • Hazmat Hauler
  • Hot Shot Truck
  • Less Than Truckload
  • Auto Hauler
  • Intermodal Truck
  • Refrigerated Truck
  • Flat Bed Truck
  • Log Truck
  • Livestock Hauler

Your situation is unique

You may be a local, intermediate or long hauler; an owner operator or a fleet manager; haul hazardous materials or pine-straw. No two trucking operations are alike, so your insurance policies need to be tailored to you.

Since different truck insurance companies prefer different types of risks, it pays to shop around and find a company that is competitive with writing insurance for your specific type of operation. Let three agents compete to build your next policy, and save!

Handy Idaho Trucking Resources

Idaho Department of TransportationIdaho State Flag

Idaho Department of Motor Vehicles

Idaho Trucking Association

Idaho Department of Insurance

Get 3 Competitive quotes in all Idaho cities

No matter what city you live in our network of Idaho insurance agents are ready to help. We cover all cities including…

  • Boise
  • Nampa
  • Meridian
  • Idaho Falls
  • Pocatello
  • Caldwell
  • Coeur d’Alene
  • Twin Falls
  • Lewiston
  • Post Falls

 

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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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