Commercial Truck Insurance in Michigan

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Michigan’s trucking industry is a critical link for automotive, manufacturing, and agricultural freight across the Great Lakes region. Major highways such as I-75, I-94, I-96, and I-69 connect urban centers, ports, and industrial hubs. Whether you’re running deliveries in Detroit, regional hauls in Grand Rapids, or statewide logistics to Lansing and beyond, having the right insurance coverage is essential to protect your trucks, drivers, and cargo.

At Trucking Insurance Now, we help Michigan truckers and fleet operators secure fast, customized quotes, maintain FMCSA compliance, and cover 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 • Michigan Department of Transportation – Motor Carrier ServicesTop freight corridorsI-75 • I-94 • I-96 • I-69 • US-23 • US-131 

Cities we serve: Detroit • Grand Rapids • Lansing • Ann Arbor • Flint • Kalamazoo • Warren • Sterling Heights • Dearborn • Saginaw

Tailored coverage for independent drivers transporting local, regional, or interstate freight, including automotive parts, agricultural goods, and specialty cargo.

Insurance programs for multi-truck fleets, offering CSA score monitoring, fleet discounts, and fast COI issuance for brokers and shippers.

Coverage for oversized loads, steel, and construction materials transported across Michigan highways and city streets.

Expedited freight insurance for short-haul and time-sensitive deliveries in urban centers and rural areas.

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

Specialized programs for refrigerated goods such as produce, dairy, and pharmaceuticals, accounting for Michigan’s seasonal climate.

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

Coverage for towing operations including on-hook liability, garage keepers liability, and business auto for city and highway recovery work.

Coverage for last-mile delivery, retail freight, and e-commerce operations throughout Detroit, Grand Rapids, Lansing, and surrounding cities.

• Intrastate trucking: Must meet Michigan DOT 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 trucking businesses with employees in Michigan.
   

Typical coverage:

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

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

• Michigan Department of Transportation – Motor Carrier Services
  https://www.michigan.gov/mdot/0,4616,7-151-9620_11154---,00.html
   
• Michigan Trucking Association
  https://www.mitrans.org/
   
• FMCSA Michigan Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Michigan truckers stay protected, compliant, and confident — from Detroit to Grand Rapids and across the Great Lakes State.

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