Georgia Commercial Truck Insurance
Searching for commercial truck insurance in Georgia? Whether you have one truck or a trucking fleet, NITIC offers bespoke truck insurance coverages for all. We have over 3 decades of experience in delivering high-end trucking insurance solutions to our clients, an A+ rating with the BBB, and hundreds of 5-star Google reviews. At NITIC, you get the best value for the money you spend on your truck insurance.
Georgia Truckers, Get the Commercial Truck Insurance You Need: Fast, Accurate, and Affordable Quotes
Contact us today and see why thousands of truckers choose NITIC
Whether you have one truck or multiple fleets under your ownership, we specialize in offering insurance coverage for all sizes of commercial vehicles and trailers in Georgia. Having incorrect coverage is equal to carrying no protection. We customize your truck insurance policy according to your business needs and what proves to be the most beneficial one. Reach out to us and get the most advantageous protection for your trucking business.
What do we offer Georgia truckers like you?
When it comes to providing insurance coverage, NITIC is counted among the best in the state of Georgia. We offer the finest truck insurance at unbeatably affordable rates. We are renowned for our fastest claiming settlement process. We believe in reimbursing our clients when they need the money the most without any delay. Partner with us and be one of our valued customers!
Areas we cover in Georgia
We are proud to say that almost every city in Georgia has our customers who are satisfied and depended on us for their trucking needs. We serve in the following cities in the state:
- Americus
- Atlanta
- Alpharetta
- Carrollton
- Albany
- Brunswick
- Cartersville
- Athens
- Columbus
- Augusta
- Dalton
- Duluth
- Decatur
- Forest Park
- Griffin
- East Point
- Douglasville
- College Park
- Dublin
- Gainesville
As every state has different coverage requirements, we offer diverse saving options for different cities. Reach out to us and explore how many dollars you can save on your insurance coverage!
Commercial Truck Insurance in Georgia: What's Required?
All vehicles in Georgia, whether for personal or business use, must have a minimum amount of auto liability insurance coverage. The state’s required coverage limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Based on your business type, vehicle types, and their usage, your insurance agency might recommend higher physical damage coverage or personal injury protection (PIP) limits.
Semi-trucks, tractor-trailers, and other vehicles with a U.S. Department of Transportation (USDOT) number or a Georgia serial number must meet additional liability coverage requirements, which vary depending on the vehicle type and its use.
To determine if your business needs these additional coverages, check your USDOT number or docket number with the Federal Motor Carrier Safety Administration (FMCSA).
Commercial Truck Insurance for All
Commercial truck insurance offers great protection from a wide range of possibilities both on and off the road. To get the best security from your truck policy, you need to choose your coverages carefully keeping your business requirements in mind. If you take adequate coverage, you get compensated for the property damage and medical expenses. However, these are only basic coverage and if want to get the most out of your trucking insurance, you need to add the following policy along with the primary liability:
- General liability
- Motor truck cargo
- Garage keeper’s legal liability
- Medical payment
- Physical damage
- Non-trucking liability
- On-hook towing
- Uninsured motorist
- Workmen compensation
- Non-owner trailer
How Much Does Commercial Truck Insurance Cost in Georgia?
The cost of commercial truck insurance in Georgia varies significantly based on several factors, including the type of truck, its usage, the driver’s experience and record, and the specific coverage needs. On average, small trucking businesses with a single truck can expect to pay between $10,200 and $12,200 annually for a comprehensive policy.
Various factors influence can influence the cost of your truck insurance quote in Georgia, including the driver’s age, driving history, the company’s safety record, the type of cargo, and the distances traveled. Georgia trucks that operate over longer distances or transport hazardous materials usually incur higher premiums. Discounts may be available for companies with strong safety programs and those who bundle multiple coverages. Overall, commercial truck insurance in Georgia is a significant but essential expense for legal compliance and financial protection.
Example Georgia Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Georgia 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
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Box Truck
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Tow Truck
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Tractor Trailer
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
How Can I Save on Commercial Truck Insurance in Georgia?
Increase Deductibles: Opt for higher deductibles on your policy. This lowers your premium but means you’ll pay more out-of-pocket in the event of a claim.
Bundle Policies: Combine multiple insurance policies (e.g., liability, cargo, and physical damage) with the same insurer. Many companies offer discounts for bundling.
Maintain a Clean Driving Record: Ensure that all drivers have clean driving records. Accidents and traffic violations can significantly increase insurance costs.
Implement Safety Programs: Invest in safety training for your drivers and implement comprehensive safety protocols. Insurers often offer discounts to companies with strong safety records.
Use Telematics: Install telematics devices in your trucks. These devices monitor driving behavior and can provide data that insurers use to offer lower rates for safe driving.
Choose Trucks Wisely: Select trucks with better safety ratings and lower repair costs. Newer models with advanced safety features can also lead to lower premiums.
Pay Annually: If possible, pay your premium annually instead of monthly. Many insurers offer discounts for annual payments.
Reduce Coverage on Older Trucks: For older trucks that are fully depreciated, consider reducing or dropping physical damage coverage.
Review and Update Policies Regularly: Regularly review your insurance policies and coverage needs. Adjust coverage as necessary to avoid paying for unnecessary protection.
Utilize Discounts: Ask us about all available discounts. These might include savings for safe driving, no claims, early renewal, and more.
Georgia Commercial Truck Insurance Filings
Upon filing for authority, NITIC can help with Georgia filings and federal filings like:
- ICC
- MCS90
- Form E
- Form H
- SR22
- SR22A
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