EAY Trucking Logistics 3

Trucking Insurance

Pay Less, Get More, Zero Bullshit.

You don’t want to waste your time, neither do we. Do not submit this form if you can say ‘yes’ to any of the following:
      • Less than 3 years in business;
      • More than 3 moving traffic violations or have a bad CAB report;
      • If you are sick and tired of getting calls and shopping your insurance every year!

Simply fill out the form and one of our Truck Specialists will be back in touch FAST!


What kind of insurance do truck drivers need?

Truckers face a lot of requirements and risks when it comes to operating on the road. Although liability limits may be mandated by the state, other trucking insurance options may not be required but just as important.


A lot of the basic insurance coverages you may find on a personal auto insurance policy are also available on a trucking insurance policy, though occasionally under different names.

We specialize in heavy truck claims

While these coverages are basic and found under other vehicle insurance policies, there are specific coverages under trucking insurance geared toward trucks and those operating them. 

Trucking! Truck Stop!
A silhouette of a truck driver getting into the cab of his commercial Class 8 truck tractor at


Protecting the assets of trucking companies is an important focus and commitment of your Erb and Young Agent.

The trucking industry is rapidly changing. State and Federal regulations are putting an increased burden on trucking companies. Insurance companies are turning to publicly available safety scores and inspection data to determine insurance rates. As enforcement increases the cost to do business as a trucking company does, too.



Truck drivers are required to carry commercial auto insurance, but what about other types of business insurance? While not legally mandated, trucking general liability insurance, business interruption insurance and motor cargo coverage can help protect your company from lawsuits and losses.

Increase Your Commercial Auto Insurance Deductibles: If you choose higher commercial auto insurance deductibles, you’ll pay less for your commercial insurance. You’ll want to select a commercial auto insurance deductible that you can afford to pay out of pocket if you get into an accident.

Under the federal regulations (FMCSRs), most motor carriers must carry a minimum of $750,000 in liability insurance. The $750,000 minimum requirement has been in place for 35 years despite inflation greatly increasing medical and litigation costs.

The average semi truck insurance costs between $3,000 and $5,000 a year for owner operators that lease on to a motor carrier. For an owner operator with their own authority, the average cost is $9,000-$12,000 per truck.

The premium of a truck is calculated based on several factors, including its age, make & model, geographical location, NCB, etc. You can use a commercial vehicle insurance premium calculator on Policybazaar.com to easily calculate the premium of any truck insurance policy.

© 2023 erbandyoungtrucking | All Rights Reserved