Commercial Truck Insurance

Get a Commercial Truck Insurance Quote — Fast, Simple, Same-Day

Getting a commercial truck insurance quote doesn't have to be complicated. At NITIC, our licensed trucking-only agents make the process quick, accurate, and stress-free. Here's everything you need to know about getting a commercial truck insurance quote — and what to have ready before you call.

What You Need to Get a Commercial Truck Insurance Quote

Insurance History / Declarations Page: If you currently have insurance, having your declarations page (dec page) ready will help our agents provide a faster and more accurate quote. If you are a new venture with no prior insurance, that's okay — we can still quote you.

Business Details: Be prepared to provide your business name and address, years in operation, and credit history (we do not do a hard pull on your credit).

Truck Category: Let us know what type of truck(s) you operate — semi truck, dump truck, tow truck, box truck, flatbed, hotshot, etc.

Detailed Vehicle Information: For each truck, have the following ready: Make, Model, Year, Current Value (actual cash value), Gross Vehicle Weight (GVW), Annual/Monthly Mileage, and VIN number.

Operating Radius: Tell us whether you primarily operate locally, regionally, or as a long-haul carrier. This significantly impacts your rate.

Types of Commercial Truck Insurance Coverage

Primary Liability Insurance: Required by the FMCSA for all for-hire carriers. Covers bodily injury and property damage caused to third parties while operating your truck for business purposes.

General Liability Insurance: Covers bodily injury and property damage that occurs off the road — for example, at a loading dock or during cargo delivery. Not required by the FMCSA but strongly recommended.

Physical Damage: Covers your truck itself. Includes Collision (damage from hitting another vehicle or object) and Comprehensive (theft, fire, vandalism, weather, etc.).

Motor Truck Cargo (MTC): Covers the freight or commodity you're hauling in the event of loss or damage. Required by many shippers and brokers.

Bobtail Insurance (Non-Trucking Liability): Covers your truck when it's being operated without a trailer and not under dispatch — for example, driving home after dropping a load.

Trailer Interchange Insurance: Covers damage to a trailer you are pulling under a written trailer interchange agreement — even if you don't own the trailer.

On-Hook Towing Insurance: For tow truck operators — covers vehicles in your care, custody, and control while being towed.

Non-Owned Trailer Coverage: Covers damage to a non-owned trailer attached to your truck when there is no written interchange agreement.

Cargo Details That Affect Your Quote

The type of freight you haul is one of the biggest factors in your commercial truck insurance rate. Cargo is typically classified into three risk levels:

• Low Hazard: General freight, dry goods, building materials
• Medium Hazard: Electronics, household goods, auto parts
• High Hazard: Hazardous materials, explosives, chemicals, liquor, tobacco

Driver Information Needed for a Quote

For every driver who will be listed on your policy:

• Driver's License Number
• Date of Birth
• Social Security Number (for MVR pull)
• Driving record / Claims history
• Years of CDL experience

Deductible Preferences

When getting a commercial truck insurance quote, you'll be asked about your deductible preference. A higher deductible generally means a lower premium — but you'll pay more out-of-pocket in the event of a claim. We typically offer low, medium, and high deductible options and can walk you through the trade-offs.

Why Choose NITIC for Your Commercial Truck Insurance?

Licensed in 48 States: No matter where you operate across the contiguous United States, NITIC can provide coverage.

Trucking-Only Agents: Our agents specialize exclusively in commercial truck insurance — not home, auto, and life on the side. We know trucking.

AM Best B++ (Good) Rated: NITIC carries a strong financial strength rating, meaning you can trust us to pay your claims.

Near Port Newark / NYC: Our location gives us deep insight into the high-traffic commercial trucking corridors of the Northeast.

Unmatched Customer Service: We pride ourselves on responsive, knowledgeable, and honest service — from your first quote through every claim.

Commercial Truck Insurance FAQs

How quickly can I get a commercial truck insurance quote?
In most cases, we can provide a same-day quote. Having your vehicle information, driver details, and cargo type ready will help speed up the process.

Can I get insured if I currently have no insurance?
Yes. We work with new ventures and drivers who currently have a lapse in coverage. No prior insurance is required to get a quote.

Does getting a quote affect my credit score?
No. We do not perform a hard credit inquiry when generating a quote. We may ask general questions about your credit history, but this will not impact your credit score.

What is the difference between Primary Liability and General Liability insurance?
Primary Liability covers accidents that occur while operating your truck on the road in a commercial capacity. General Liability covers accidents and injuries that occur off the road — such as at a customer's property, loading dock, or job site.

What factors affect the cost of commercial truck insurance?
Key factors include the type of truck, the cargo you haul, your operating radius, the driving history of all listed drivers, your claims history, the age and value of your equipment, and the coverage types and limits you select.

Can I get a quote online, or do I need to call?
You can start the process online, but our licensed agents can often provide a faster and more accurate quote over the phone. Call us at 800-726-8376 for a same-day quote.

Can I still get insured if I have past claims?
Yes. Having past claims does not automatically disqualify you from coverage. Our agents will review your history and work to find the best available options for your situation.