Commercial Truck Insurance in Louisiana

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Louisiana is a vital transportation hub, with trucking routes connecting ports, refineries, and industrial centers along I-10, I-20, I-49, and I-55. Whether you’re hauling freight through New Orleans, Baton Rouge, or Shreveport, or managing a multi-truck operation across the state, proper insurance is essential to protect your cargo, vehicles, and drivers.

At Trucking Insurance Now, we help Louisiana truckers and fleet owners secure fast, tailored quotes, maintain FMCSA compliance, and protect their businesses from risks on the road.

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Quick FactsAverage annual premium$10,000–$16,000 per truckRequired liability (interstate)$750,000 minimum (FMCSA)Common higher limits$1M–$5M for hazmat or high-value freightTop regulatory bodiesFMCSA • Louisiana Department of Transportation – Motor Carrier ServicesTop freight corridorsI-10 • I-12 • I-20 • I-49 • US-90 • US-61 

Cities we serve: New Orleans • Baton Rouge • Shreveport • Lafayette • Lake Charles • Kenner • Bossier City • Monroe • Alexandria • Houma

Coverage designed for independent drivers hauling locally or interstate, including port operations and refinery deliveries in Baton Rouge or New Orleans.

Programs for multi-truck fleets, including CSA score monitoring, fleet discounts, and quick COI issuance for shippers and brokers.

Protection for oversized, construction, or steel hauls across Louisiana highways and bridges.

Expedited freight insurance for short-haul, time-sensitive deliveries in urban and rural regions.

Coverage for aggregate, gravel, and construction hauls, including liability and physical damage.

Programs for refrigerated goods, produce, and pharmaceuticals moving through Louisiana’s hot and humid climate.

Specialized policies for fuel, chemicals, and hazardous materials with FMCSA-compliant high-limit liability options.

On-hook coverage, garage keepers liability, and business auto for towing and recovery operations servicing city streets, highways, and ports.

Urban and regional delivery coverage for last-mile operations in New Orleans, Baton Rouge, Shreveport, and surrounding areas.

• Intrastate trucking: Must comply with Louisiana DOT insurance minimums for liability and cargo.
   
• Interstate trucking: FMCSA regulations apply, including minimum liability limits and MCS-90 filings.
   
• Workers Compensation: Required for employees in Louisiana trucking businesses.
   

Typical coverage:

• $750,000 general freight
   
• $1,000,000 oil/fuel transport
   
• $5,000,000 hazardous materials
   

• Maintain clean MVRs and driver safety records
   
• Install GPS tracking and dash cameras
   
• Document preventive maintenance and safety programs
   
• Bundle multiple coverages for discounts
   
• Train drivers in defensive driving and regulatory compliance
   

• Louisiana Department of Transportation – Motor Carrier Services
  https://wwwsp.dotd.la.gov/Inside_LaDOTD/Divisions/Administration/MCS/Pages/default.aspx
   
• Louisiana Motor Transport Association
  https://www.lmta.org/
   
• FMCSA Louisiana Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Louisiana truckers stay protected, compliant, and confident — from New Orleans to Shreveport and across the Pelican State.

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