Commercial Truck Insurance in Maryland

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Maryland is a critical logistics hub for the Mid-Atlantic, with freight moving along major corridors such as I-95, I-70, I-83, and I-97, serving ports, distribution centers, and industrial hubs. Whether your trucking operation is focused on urban deliveries in Baltimore, regional hauls in Frederick, or statewide logistics, reliable insurance coverage is essential to protect your trucks, drivers, and cargo.

At Trucking Insurance Now, we help Maryland truckers and fleet operators secure fast, customized quotes, ensure FMCSA compliance, and protect all types of trucking operations from risk and liability.

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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 • Maryland Motor Vehicle Administration – Motor Carrier ServicesTop freight corridorsI-95 • I-70 • I-83 • I-97 • US-50 • US-301 

Cities we serve: Baltimore • Annapolis • Frederick • Rockville • Silver Spring • Hagerstown • Bowie • Salisbury • Gaithersburg • Towson

Customized insurance programs for independent drivers hauling locally, regionally, or interstate, including deliveries to ports, warehouses, and industrial hubs.

Multi-truck fleet programs with CSA score monitoring, fleet discounts, and fast issuance of certificates of insurance for brokers and shippers.

Coverage for oversized loads, construction materials, and steel transported across Maryland highways and bridges.

Expedited freight insurance for short-haul, time-sensitive deliveries within urban centers like Baltimore or suburban regions.

Protection for aggregate, sand, gravel, and construction material hauling, including liability and physical damage coverage.

Specialized programs for perishable goods, seafood, pharmaceuticals, and other temperature-sensitive freight.

High-limit liability coverage for fuel, chemicals, and hazardous materials, fully compliant with FMCSA regulations.

Coverage for towing operators including on-hook liability, garage keepers liability, and business auto for local and regional recovery operations.

Coverage for last-mile deliveries, e-commerce shipments, and retail freight in Baltimore, Annapolis, Frederick, and surrounding areas.

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

Typical coverage:

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

• Maintain clean driver MVRs and safety records
   
• Install GPS tracking and dash cameras
   
• Document preventive maintenance programs
   
• Bundle multiple coverage types for discounts
   
• Implement driver training and safety programs
   

• Maryland Motor Vehicle Administration – Motor Carrier Services
  https://www.mva.maryland.gov/business/motor-carriers
   
• Maryland Motor Truck Association
  https://www.mmta.com/
   
• FMCSA Maryland Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Maryland truckers stay protected, compliant, and confident — from Baltimore to Frederick and across the Old Line State.

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