{"id":259,"date":"2022-10-04T05:03:13","date_gmt":"2022-10-04T05:03:13","guid":{"rendered":"https:\/\/uniamericainc.com\/?post_type=news_article&#038;p=259"},"modified":"2025-07-08T22:52:44","modified_gmt":"2025-07-08T22:52:44","slug":"test","status":"publish","type":"news_article","link":"https:\/\/uniamericainc.com\/es\/news_article\/test\/","title":{"rendered":"How Much Is Trucking Insurance?"},"content":{"rendered":"<p>According to Progressive Insurance, the national monthly cost for commercial truck insurance ranges from $640 for specialty truckers to $982 for transport truckers.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>For-hire transport are truckers who transport goods such as general freight and autos.<\/li><li>For-hire specialty are truckers who transport in a specific niche such as garbage, septic waste, or logging.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What factors affect the cost?<\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>USDOT AUTHORITY<\/strong><br>Leasing to a company will mean your primary liability will be covered while you are under dispatch. It is much cheaper because of this! You may need to carry non-truck or bobtail coverage to fill some gaps, but it\u2019s less expensive than the primary liability.<\/li><li><strong>CONTRACTUAL REQUIREMENTS<\/strong><br>The FMCSA (Federal Carrier Motor Safety Administration) generally requires a minimum liability limit of $750,000 CSL or $1,000,000 CSL for truckers who need a federal filing. This is much higher than most state minimum limits, unfortunately.<\/li><li><strong>CARGO<\/strong><br>Commercial truck insurance costs are greatly affected by the type of cargo you carry. Some cargo is simply riskier to transport than others, for example, an accident involving a truck transporting heavy farm equipment will likely cause more injury or damage than a truck carrying fresh produce.<\/li><li><strong>OPERATING RADIUS<\/strong><br>Truckers with a large operating radius typically are exposed to higher risks due to longer drive times and potentially less familiar route options.<\/li><li><strong>VEHICLE TYPE<\/strong><br>A small pickup trick will cost less than a heavy semi carrying the same type of product because of its potential to cause more damage in an accident.<\/li><li><strong>DRIVING HISTORY<\/strong><br>Keeping your driver record free of accidents and violations can save you hundreds to thousands of dollars, especially since you\u2019re driving a large vehicle that has the risk of creating more severe damages.<\/li><li><strong>LOCATION<\/strong><br>Commercial truck insurance, like regular auto rates vary by state. You might just pay more just because you operate in states with higher rates.<\/li><\/ol>","protected":false},"featured_media":22,"template":"single-news_article.php","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false},"categories":[7,8],"class_list":["post-259","news_article","type-news_article","status-publish","has-post-thumbnail","hentry","category-commercial-auto-insurance","category-truckers-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Is Trucking Insurance? - UniAmerica Insurance<\/title>\n<meta name=\"description\" content=\"Get insured with Uniamerica Insurance, your trusted provider of RV, mobile home, and trucking insurance for over 25 years. 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