Truck Insurance Frequently Asked Questions
Below are answers to some of the most common questions truckers ask about insurance, compliance, and coverage options. If you don’t see your question here, our brokers are always available to help.
Common Truck Insurance Questions
How much does truck insurance cost?
Truck insurance costs depend on factors such as driving history, truck type, cargo, routes, and coverage limits. Owner-operators typically pay less than fleets, but rates vary based on risk.
What truck insurance is required by FMCSA?
FMCSA requires primary auto liability insurance. Cargo insurance may also be required by brokers or shippers depending on what you haul.
Do owner-operators need cargo insurance?
Yes. Most brokers and shippers require owner-operators to carry motor truck cargo insurance in order to move freight.
What is the difference between bobtail and non-trucking liability?
Bobtail insurance covers driving without a trailer attached. Non-trucking liability covers personal use when you are not under dispatch.
How fast can I get a truck insurance quote?
In many cases, quotes can be provided the same day once your operation details and required documentation are reviewed.
Does liability insurance cover damage to my truck?
No. Liability insurance does not cover damage to your truck. You need physical damage insurance for collision and comprehensive protection.
Do you insure new trucking authorities?
Yes. Fifty Bridges works with new authorities and helps them secure compliant truck insurance coverage from day one.
Do you insure small trucking fleets?
Yes. We specialize in insurance for small and growing fleets with 2–20 trucks.
Do you offer coverage nationwide?
Yes. We provide truck insurance coverage across the United States.
Learn More About Truck Insurance Coverage
Explore our commercial truck insurance solutions or coverage designed specifically for owner-operators.