Kansas Commercial Truck Insurance
Searching for commercial trucking insurance quote in Kansas? With some of the most aggressive trucking insurance rates in the industry, NITIC offers custom commercial truck insurance coverage for all. We have over 3 decades of experience delivering tailored 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.
Kansas Truckers Trust Their Insurance Needs with NITIC!
Whether you haul cargo in a single truck or have multiple fleets under your authority, we provide custom-made truck insurance coverage at the minimum cost. No matter what type of commercial vehicle you use for your trucking operations, we have more than 3 decades of experience in insuring all kinds of trucks with protective policies. Wait no more, get in touch with us and personalize your coverage at your affordability.
What Can NITIC Offer Kansas Truckers Like You?
When you choose NITIC as your insurance provider you get:
- Constant customer support
- Affordable truck policy
- Several coverages under one roof
- Maximum satisfaction
- Fastest claim settlements
We are the most reliable insurance partners in Kansas. Once you partner with us, you will never look for other options. Get your insurance quote today!
Areas we cover in Kansas
We provide truck insurance coverage in almost every state of Kansas including:
- Emporia
- Dodge City
- Lawrence
- Hays
- Hutchinson
- Garden City
- Junction City
- Leavenworth
- Kansas City
- Manhattan
- Prairie Village
- Leawood
- Olathe
- Pittsburg
- Topeka
- Lenexa
- Overland Park
- Wichita
- Salina
- Shawnee
We have many discounted deals in our trucking policies. Reach out to us and check how much you can save on your next truck coverage!
Commercial Truck Insurance in Kansas
Commercial truck insurance is designed for protecting all types of vehicles that are used for transporting cargo in Kansas. This coverage protects your trucking operations when you suffer or do property damage or bodily injury to yourself or a third party in an accident. This truck policy offers great financial support when you face immense losses in trucking operations. Since all businesses differ from each other, with our help you can easily customize your coverage according to your needs.
What type of truck coverage do we offer in Kansas?
Your commercial vehicles are the key to your business growth and success. We understand the importance of carrying out trucking operations uninterruptedly. If you want to completely protect your investment, you need to think beyond minimum coverage. The following are the most significant insurance coverage that shields a trucking business exclusively:
How Much Does Commercial Truck Insurance Cost in Kansas?
The cost of commercial truck insurance in Kansas varies depending on the type of truck and the limit of liability coverage chosen. Here is a breakdown of average annual premiums based on different coverage limits:
- $300,000 Liability Coverage: For dump trucks, box trucks, tow trucks, and tractor trailers, the annual premium is approximately $11,200.
- $500,000 Liability Coverage: The cost increases to about $12,200 per year for each truck type.
- $750,000 Liability Coverage: The annual premium for this coverage limit is around $13,200 for dump trucks, box trucks, tow trucks, and tractor trailers.
- $1,000,000 Liability Coverage: The highest coverage limit costs approximately $14,200 annually for each truck type.
These premiums are influenced by various factors, including the type of cargo, operating radius, driver experience, and safety records. Trucks that travel longer distances or haul hazardous materials typically incur higher premiums. Additionally, implementing safety programs, using telematics, and maintaining clean driving records can help manage and potentially reduce insurance costs. By carefully selecting coverage options and adopting best practices, truck owners in Kansas can effectively manage their insurance expenses while ensuring adequate protection.
Example Kansas Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Kansas 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
|
Kansas Commercial Truck Insurance Requirements
Kansas commercial truck insurance requirements are essential for ensuring that trucking companies operate legally and are adequately protected against financial risks. Here are the key insurance requirements based on the type of cargo being transported:
- $5,000,000 Liability Insurance for hazardous materials (Hazmat).
- $300,000 Liability Insurance for household goods.
- $750,000 Liability Insurance for general freight.
- $1,000,000 Liability Insurance for oil transport.
- $3,000 per vehicle Cargo Insurance for all carriers.
These insurance requirements ensure that trucking companies in Kansas have sufficient coverage to handle potential liabilities and protect the goods being transported. Compliance with these regulations is crucial for legal operation and provides peace of mind for both trucking companies and their clients. Trucking businesses should work closely with their insurance providers to ensure all necessary coverages and filings are in place to meet state and federal regulations.
Kansas Commercial Truck Insurance Filings
In Kansas, commercial truck insurance filings are necessary to comply with both state and federal regulations. These filings help ensure that trucking companies have adequate insurance coverage to operate legally. At NITIC, we can help with Kansas and federal filings to help get you on the road quickly! Here are the key filings required for commercial truck insurance in Kansas:
ICC Authority: The Interstate Commerce Commission (ICC) authority is required for motor carriers operating across state lines. This requires maintaining proper insurance coverage as mandated by federal regulations.
MCS-90 Endorsement: The MCS-90 endorsement is a federal filing required by the Federal Motor Carrier Safety Administration (FMCSA) for interstate motor carriers. It certifies that the motor carrier has the necessary minimum liability insurance coverage to meet federal standards.
Form E: This is a state-specific filing that verifies a motor carrier has obtained the minimum required liability insurance coverage as mandated by Kansas state law. It is filed with the Kansas Corporation Commission (KCC).
Form H: Similar to Form E, Form H is required for carriers operating within Kansas. It provides proof of cargo insurance coverage to ensure the protection of goods being transported within the state.
SR-22: This certificate of financial responsibility may be required for certain drivers or companies, particularly if they have had certain types of violations or need to provide proof of insurance for license reinstatement. It verifies that the driver or company has the necessary insurance coverage.
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