How Much Does Commercial Truck Insurance Cost in Ohio

ByMike Poller

All trucks in Ohio are required to carry average truck insurance of $15k, whether they are being utilized for personal or professional purposes. Typically, premiums range from $11k to $20k. This is due to the fact that various businesses have varying rules regarding their coverages.

The typical cost of commercial truck insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:

  • $950 per month for trucking primary liability
  • $110 per month for cargo truck insurance
  • $150 per month for trucking physical damage
  • $40 per month for bobtail insurance

These price projections are based on drivers that operate one truck and require liability, type of cargo, bobtail, and physical damage insurance. The cost is affected by a number of factors, including the type of cargo you are transporting, your previous insurance claims, and the length of time you have been in operation.

Find out more about commercial truck insurance in Ohio here!

Example Ohio Commercial Truck Insurance Cost Estimate

The below scenario assumes a clean driving record. Your personal driving history will affect your Ohio insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium. 

Limit of Liability
$300,000
$500,000
$750,000
$1,000,000
Dump Truck
$11,200
$12,200
$13,200
$14,200
Box Truck
$11,200
$12,200
$13,200
$14,200
Tow Truck
$11,200
$12,200
$13,200
$14,200
Tractor Trailer
$11,200
$12,200
$13,200
$14,200

Ohio’s trucking industry is central to the Midwest’s supply chain. NITIC offers Ohio truckers comprehensive insurance coverage that reflects the state’s high traffic volume and regulatory environment, ensuring your policy is both affordable and sufficient to cover all necessary risks.

Why Choose NITIC for Your Ohio Truck Insurance Quote?

At National Independent Truckers Insurance Company, RRG (NITIC), we understand that the cost of commercial truck insurance is a critical concern for truckers, whether you’re an independent owner-operator or managing a small fleet. With over 21 years of experience in the industry, NITIC has established itself as a reliable partner in providing affordable and accurate insurance quotes tailored to meet the specific needs of truckers across the nation. We are licensed to underwrite insurance in 48 states, and our dedicated team of licensed insurance agents specializes solely in trucking and commercial insurance, ensuring that we stay on top of the ever-changing requirements from federal regulations, freight brokers, and commercial carriers.

When you choose NITIC, you’re not just getting an insurance policy; you’re gaining a partner committed to helping you navigate the complexities of the trucking industry. Our B++ (Good) rating from A.M. Best underscores our financial strength and ability to meet our obligations to policyholders. This rating reflects our commitment to maintaining a solid financial foundation, giving you peace of mind that we will be there when you need us most.

NITIC’s reputation is further solidified by hundreds of 5-star Google reviews from satisfied customers who appreciate our personalized service and competitive rates. We understand that every state has its unique requirements and challenges, which is why our quotes are customized to reflect the specific conditions in Ohio.

Whether you’re operating in Ohio or any other state, our goal is to provide you with an affordable and accurate insurance quote that meets your needs. We take the time to understand your business, the types of cargo you haul, your driving history, and other factors that influence your insurance rates. By doing so, we ensure that you receive the best possible coverage at a price that fits your budget.

If you’re wondering how much commercial truck insurance costs in Ohio, NITIC is here to help. Contact us today to get a quote tailored to your specific needs and discover why so many truckers trust us to protect their livelihoods on the road.