Free checklist · 6 min read
Commercial Truck Insurance Requirements Checklist
Insurance is usually the biggest early cost and gates your authority activation. Know the coverages you will be quoted on so you can compare fairly.
Coverages to understand
- Primary auto liability (FMCSA minimum applies)
- Cargo insurance (brokers often require a minimum)
- Physical damage on your truck and trailer
- Non-trucking / bobtail liability
- General liability depending on operation
Getting quotes
- Have your MC/USDOT, entity, and driver records ready
- Get multiple quotes for the same coverages
- Confirm your agent can file proof with FMCSA
- Budget for the down payment, not just the annual premium
Requirements and minimums vary — confirm FMCSA and broker requirements and get current quotes for your situation.
Frequently asked questions
- How much is insurance for a new authority?
- It varies widely by driver history, equipment, and location, and is often the largest early cost. Get multiple current quotes for the same coverages to compare.
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