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Trucking Insurance Information

Auto Insurance for Truckers Across North Georgia

Driving can be dangerous in general, but even more so for trucks. With wide turns, slow stops and tall semi-trailers, accidents are likely. In 2017, around 4,102 people died in a crash with a large truck, over 3,000 of which involved a tractor-trailer. It’s important to drive safely and wisely with the right amount of trucking insurance in case of an accident. At Peachstate Insurance, we are dedicated to finding you affordable trucking insurance with reliable coverage.

What Does Trucking Insurance Cover?

Trucking insurance provides a lot of the same coverages as personal auto insurance. This includes:

  • Liability: Liability insurance assists when the trucker causes bodily injury or property damage to someone else.
  • Non-trucking liability: This insurance helps when the trucker causes property damage or bodily injury while using the truck outside of work.
  • Cargo insurance: Cargo insurance helps compensate for lost or damaged cargo during transportation.
  • Non-owned trailer damage and liability: This insurance steps in for attached trailers that are not owned by the trucker.
  • Comprehensive: As with personal auto insurance, comprehensive coverage helps cover against damage due to accidents not including a collision, such as fire, falling tree branches, hail and theft.
  • Collision: Collision covers physical damage due to a collision with a vehicle or object.
  • Bobtail Insurance: Bobtail insurance covers trucks without a trailer.

Does Commercial Auto Insurance Cover Trucks?

While commercial auto insurance can cover trucks, the coverage won’t be comprehensive enough to cover everything. Trucking insurance is tailored specifically for trucking needs such as bobtail coverage, non-owned trailer coverage and cargo insurance. The last thing you want is to wait for an accident to discover your truck didn’t have adequate insurance.

How Much Does Trucking Insurance Cost?

Prices for trucking insurance varies across states and depends on your driving record and other factors. In general, owner-operators pay an average of $8,500-$14,000 a year.

How Much Trucking Insurance Do I Need?

Trucks typically require $750,000 or more in coverage. In Georgia, intrastate trucking requires at least $100,000 per person and $300,000 per accident in liability coverage.

Let Us Help

Agents at Peachstate Insurance work with different carriers to find the best insurance at the cheapest price for your trucking needs. Find out why in Georgia Life is “So Sweet at the Peach!” Call us today at 877-997-2478 or visit our office to get started.

Learn about the difference between bobtail and non-trucking liability insurance in our blog.

Big rigs require liability insurance before hitting the road. A variety of insurance options exist to give you the option of more comprehensive coverage for your trucks, drivers and cargo. Learn about insurance for your fleet of trucks.