Are you looking for a Commercial Truck Insurance Quote in Kentucky? Don’t get just 1 quote, get 3!
Compare 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 Kentucky Truck Insurance Agents that will compete for your business.
Fill out one easy online form and you’ll get three competitive quotes from three top agents in KY. Simple!
How Much Does Truck Insurance Cost In Kentucky?
The average cost for commercial truck insurance in KY is $11,429.
Most premiums range from $6,573 to $13,993.
These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are several variables 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 KY
1 Truck Based in Walton
| Experience | Less Than 2 Years |
|---|---|
| Radius | Interstate, Unlimited Miles |
| Cargo | Motor Vehicles, Drive Away |
| Operation | For Hire, Private Property |
| Premium | $10,264/yr |
1 Truck Based in Louisville
| Experience | Less Than 2 Years |
|---|---|
| Radius | Interstate, Unlimited Miles |
| Cargo | General Freight, Metal, Paper Products |
| Operation | For Hire |
| Premium | $13,993/yr |
Maybe the biggest 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.
It’s a good idea to shop the market. 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 Kentucky
You need agents that specialize in truck insurance to get the right coverage at the best rate, and that is exactly what we’ll bring you.
We’ve done the hard work for you and located three of the best truck insurance agents in KY. The agents, like alpha-rams, will lock horns in their fight to earn your policy, but only one will emerge the champion. By having three agents quote your policy you will have much broader access to the whole market of truck insurance companies.
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 Kentucky
Finding the best trucking insurance company in KY for your outfit can result in huge savings. Some of the insurance providers with the best prices can be hard to find though.
The companies below write 79% of the truck insurance polices in KY.
Top 10 Truck Insurance Companies in KY
- Acuity
- Auto Owners
- Canal
- Daily Underwriters Of America
- Great West
- National Indemnity
- Northland
- OOIDA
- Progressive
- Sentry
There are also over a dozen truck insurance carriers in KY that have the remaining 21% 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 combination of prices and coverage.
Compare quotes from different companies here.
Trucking Ins. Coverages
Kentucky and the FMCSA have specific insurance requirements for semis. Some coverages are mandatory, like primary liability. Others, such as physical damage truck insurance and bobtail coverage, are just smart to have.
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.
Kentucky Truck Insurance Requirements
Kentucky state law requires local truck drivers and new ventures to keep a certain amount of liability insurance. The amount you need depends on the type of freight you carry and where you pull it. If you never leave the state and your truck is more than 10,000 GVW, you must get an intrastate only USDOT Number 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) |
| $5,000/vehicle and $5,000/catastrophe | Cargo Insurance (All carriers) |
The insurance requirements for truck drivers who do cross state lines are more rigorous. You must meet the above, and you must meet all the DOT truck insurance requirements laid out by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.
Both Kentucky and the US DOT 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 semi truck insurance requirements are fulfilled. They must be filed before you can get your authority. Some common forms include:
- The BMC-94
- Form MCS-93
- Form E
- Form H
Specific Insurance for Owner/Operators in Kentucky
No matter what type of operation you have, we can help. Our agents can find cheap truck insurance for all of the following operation types:
Handy Kentucky Trucking Resources
Kentucky Department of Transportation
Kentucky Department of Motor Vehicles
Kentucky Motor Transport Association
Kentucky Department of Insurance
Your Business is Unique
You may be a local or long hauler. You might be an owner operator from Lexington hauling produce. Or a manager of a fleet in Lousiville hauling hazardous materials. No two trucking operations are the same, so your insurance policies need to be tailored to you.
Since different truck insurance companies prefer different types of risks, it’s a good idea to shop around and find a company that is competitive with writing insurance for your specific operation. The bottom line is that you want cheap truck insurance without sacrificing coverage.
Get 3 Competitive quotes in all Kentucky cities
No matter what city you live in our network of Kentucky truck insurance brokers are ready to give you a quote. We help truckers save on insurance. That’s all we do. We cover all cities including…
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We also can give you multiple quotes in the neighboring states as well: TN, MO, IL, OH, VA