Are you looking for a Tennessee Commercial Truck Insurance Quote? How about 3 quotes?
Compare Truck Insurance Quotes
To get the best price on your semi truck insurance you need to shop around. Let us help by bringing you three Tennessee 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 TN. Simple!
How Much Does Truck Insurance Cost In Tennessee?
The average cost for commercial truck insurance in TN is $13,384.
Most premiums range from $11,652 to $15,196.
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 TN
1 Truck Based in Manchester
|Experience||Less Than 2 Years|
|Radius||Interstate, Unlimited Miles|
1 Truck Based in Parsons
|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.
It makes sense to compare prices. 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 Tennessee
You need to find agents that specialize in truck insurance to get the right coverage at the best price. We’ve done that and found three of the best truck insurance agents in TN. With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies. The agents will work hard to earn your business, but only one will bring you the best deal.
Shopping for truck insurance has never been this efficient. Don’t waste your time tracking down three agents. Instead, let them come to you. Let’s get started!
Commercial Truck Insurance Companies in Tennessee
Finding the best trucking insurance company in TN for your business can save you a lot of money. Some of the insurance carriers with the best prices can be difficult to find though.
The companies below write 82% of the truck insurance polices in TN.
Top 10 Truck Insurance Companies in TN
- Auto Owners
- Great West
- National Indemnity
- Shelter Insuranec Company
There are also over a dozen truck insurance carriers in TN that have the remaining 18% 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 premium.
Compare quotes from different companies here.
Trucking Ins. Coverages
Tennessee 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 leased to a motor carrier, you may be looking for physical damage truck insurance, bobtail coverage, and 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.
Tennessee Truck Insurance Requirements
Tennessee law asks local truck drivers and new ventures to maintain a certain amount of liability insurance. How much you need depends on what freight you pull and where you haul it. If you don’t cross state lines and your truck is more than 35,000 GVW, you must get a Tennessee Department of Safety Certificate Number and have a minimum amount of insurance:
|$750,000||Liability Insurance (General Freight)|
|$1,000,000||Liability Insurance (Oil Transport)|
|$5,000,000||Liability Insurance (Hazmat)|
|$300,000||Liability Insurance (Household Goods)|
|$5,000/vehicle||Cargo Insurance (Intrastate household goods movers)|
The insurance requirements for truck drivers who drive out of their state are more detailed. You must meet the above, and you must meet all the semi truck insurance requirements recommended by the FMCSA. Typical federal liability limits are between $750,000 and $1,000,000.
Both Tennessee and the FMCSA 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:
- The BMC-99
- Form MCS-98
- Form E
- Form H
Tailored Insurance for Owner-Operators in Tennessee
No matter what type of operation you’re running, we’ve got your back. Our agents can find cheap truck insurance for all of the following operation types:
Handy Tennessee Trucking Resources
Your Operation is Unique
You might be a local or a long hauler. Maybe you’re a new venture or a hotshot. You could be a leased owner operator from Memphis or a fleet manager in Nashville. Maybe you haul hazardous materials or cotton. All that to say, no two trucking companies are alike. Your insurance policies need to be tailored 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 operation. The bottom line is that you want cheap truck insurance without sacrificing coverage.
Get 3 Competitive quotes in all Tennessee cities
No matter what city you live in our network of Tennessee insurance brokers are ready to give you a quote. We cover all cities including…