Are you hunting for a West Virginia Commercial Truck Insurance Quote? How about 3 quotes?
Compare 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 West Virginia 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 WV. Simple!
How Much Does Truck Insurance Cost In West Virginia?
The average cost for commercial truck insurance in WV is $16,704.
Most premiums range from $13,833 to $19,574.
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 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 WV
1 Truck Based in Valley Grove
|Radius||Interstate, Below 500 Miles|
1 Truck Based in Renick
|Experience||Less Than 2 Years|
|Radius||Interstate, Below 500 Miles|
|Cargo||General Freight, Drive Away, Building Materials, Mobile Homes|
Perhaps the largest variable 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! Sometimes the difference 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 West Virginia
You need agents that specialize in truck insurance to get the right coverage at the best rate. We’ve done the hard work for you and located three of the best truck insurance agents in WV. The agents will fight hard to write your policy, but only one will emerge the winner. With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies.
Shopping for truck insurance has never been this easy or 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 West Virginia
Finding the best trucking insurance company in WV for your operation can result in huge savings. Some of the companies with the best prices can be difficult to find though.
The companies below write 90% of the truck insurance polices in WV.
Top 10 Truck Insurance Companies in WV
- Cincinnati Insurance Co
- Conifer Insurance Company
- National Casualty Company
- National Indemnity
There are also over a dozen truck insurance carriers in WV that have the remaining 10% 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 deal.
Compare quotes from different companies here.
Trucking Ins. Coverages
West Virginia and the FMCSA have specific insurance requirements for semis. If you have your own authority, 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.
West Virginia Truck Insurance Requirements
West Virginia law asks local truckers and new ventures to have a minimum amount of liability insurance. The amount you need is determined by the type of freight you pull and where you pull it. If you don’t leave the state and your truck is more than 10,000 GVW, you must get an intrastate only USDOT Number and maintain a minium level of insurance:
|$5,000,000||Liability Insurance (Hazmat)|
|$300,000||Liability Insurance (Household Goods)|
|$750,000||Liability Insurance (General Freight)|
|$1,000,000||Liability Insurance (General Freight)|
|$50,000/vehicle and $50,000/catastrophe||Cargo Insurance (All carriers)|
The insurance requirements for truck drivers who cross state lines are a little different. You must meet the above, and you must be in compliance with all the DOT truck insurance requirements recommended by the federal government. Most federal liability limits are $750,000 or $1,000,000.
Both West Virginia 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 show 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:
- Form H
- The BMC-100
- Form MCS-99
- Form E
Tailored Insurance for Owner Operators in West Virginia
No matter what type of operation you have, we have you covered. Our agents have access to cheap truck insurance for all of the following operation types:
Handy West Virginia Trucking Resources
Your Operation is Unique
You might be a local or long hauler, new venture or hotshot. You may be a leased owner operator from Huntington or a fleet manager in Charleston. Maybe you haul hazardous materials or apples. All that to say, no two trucking companies are alike, so your insurance policies need to be put together just 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.
Get 3 Competitive quotes in all West Virginia cities
No matter what city you live in our network of West Virginia insurance agents are ready to help. We cover all cities including…