Nationwide Truck Insurance Coverage in All 50 U.S. States
Operating a trucking business across state lines requires more than basic coverage. Truck insurance laws vary by state, while interstate carriers must also comply with FMCSA insurance requirements.
Fifty Bridges is a nationwide truck insurance broker helping owner-operators and trucking companies secure properly structured coverage in all 50 U.S. states. We specialize in insurance solutions designed for both intrastate and interstate trucking operations.
Whether you operate locally, regionally, or coast to coast, we ensure your trucking insurance meets federal regulations, state requirements, and broker or shipper contract obligations.
Nationwide Truck Insurance Solutions for Every Type of Carrier
Our nationwide truck insurance programs are built for trucking businesses of all sizes operating anywhere in the United States, including:
- Independent owner-operators
- Small and mid-size trucking fleets
- Large multi-state fleet operations
- New DOT authorities and startup carriers
- Established carriers expanding into new states
- Local, regional, and long-haul interstate truckers
No matter where your trucks are domiciled or where they travel, we help keep your operation insured, compliant, and protected.
Truck Insurance Built for State-by-State Compliance
Truck insurance is not one-size-fits-all. Each U.S. state has unique insurance rules and risk factors that can affect coverage structure, eligibility, and pricing.
- Different liability minimums and filing requirements
- State-specific insurance forms and endorsements
- Regional accident frequency and claims trends
- Cargo theft exposure by operating area
- Local enforcement and regulatory practices
As a nationwide truck insurance broker, we work with carriers that are approved to insure trucking risks in all 50 states. This allows us to properly insure carriers based on where they operate—not just where they are headquartered.
Nationwide Truck Insurance Coverage Options
We design trucking insurance programs that meet FMCSA regulations, state laws, and contractual requirements from brokers and shippers. Common nationwide truck insurance coverages include:
- Primary Auto Liability Insurance – Required for interstate trucking and FMCSA compliance
- Motor Truck Cargo Insurance – Protects freight and satisfies shipper and broker requirements
- Physical Damage Coverage – Covers trucks and trailers against collision, theft, and comprehensive losses
- General Liability Insurance – Covers non-driving business operations and premises risks
- Non-Trucking Liability (Bobtail) – Coverage for off-dispatch or personal use
- Occupational Accident Insurance – Alternative to workers’ compensation for owner-operators
Coverage is customized based on your authority type, cargo hauled, operating radius, equipment, and the states you travel through.
Why Choose Fifty Bridges as Your Nationwide Truck Insurance Broker
When operating across multiple states, working with an experienced truck insurance broker is critical to avoiding compliance gaps and costly coverage mistakes.
- Nationwide truck insurance coverage in all 50 U.S. states
- Access to multiple A-rated trucking insurance carriers
- Expertise in interstate and intrastate trucking operations
- Deep understanding of FMCSA and state compliance requirements
- Fast quotes, policy issuance, and certificates of insurance
We represent trucking businesses—not captive carriers—allowing us to focus on coverage quality, compliance, and long-term stability.
Our Nationwide Truck Insurance Process
Our insurance placement process is designed to be efficient, transparent, and compliant from the start:
- Review of your DOT authority and operating states
- Evaluation of cargo types, routes, and equipment
- Carrier placement based on your risk profile
- Policy binding and required filings
- Ongoing support for renewals, changes, and certificates
Whether you operate one truck or manage a fleet nationwide, our approach scales with your business.
Nationwide Truck Insurance FAQs
Do I need different truck insurance for each state?
No. A properly structured nationwide truck insurance policy can cover operations in multiple states while meeting FMCSA and state requirements.
Is nationwide truck insurance required for interstate trucking?
Yes. Interstate motor carriers must carry FMCSA-compliant liability insurance regardless of their home state.
Can owner-operators get nationwide truck insurance?
Yes. Owner-operators hauling interstate or across multiple states can secure nationwide truck insurance tailored to their operation.
Complete Insurance Solutions for Trucking Companies
Many carriers combine nationwide truck insurance with commercial truck insurance and cargo insurance to meet broker, shipper, and contractual requirements.
If you are expanding into new states or operating nationwide, partnering with an experienced truck insurance broker helps prevent coverage gaps, compliance issues, and operational delays.