Commercial Truck Insurance in Massachusetts

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Massachusetts is a key logistics hub for New England, connecting freight across major highways including I-90, I-95, I-93, and US-3. Trucking operations span from urban deliveries in Boston to regional hauls in Worcester and Springfield, serving ports, warehouses, and manufacturing centers. Having the right trucking insurance protects your fleet, cargo, and drivers against accidents, liability, and unexpected costs.

At Trucking Insurance Now, we help Massachusetts truckers and fleet operators secure fast, customized quotes, maintain FMCSA compliance, and cover all types of trucking operations.

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Quick FactsAverage annual premium$10,500–$16,500 per truckRequired liability (interstate)$750,000 minimum (FMCSA)Common higher limits$1M–$5M for hazmat or high-value freightTop regulatory bodiesFMCSA • Massachusetts Registry of Motor Vehicles – Motor Carrier ServicesTop freight corridorsI-90 • I-95 • I-93 • US-3 • US-1 • US-20 

Cities we serve: Boston • Worcester • Springfield • Cambridge • Lowell • Brockton • Quincy • Lynn • New Bedford • Fall River

Tailored insurance coverage for independent drivers operating in urban and regional areas, including port deliveries, manufacturing hauls, and specialty freight.

Programs for multi-truck fleets, offering CSA score monitoring, fleet discounts, and quick issuance of COIs for brokers and shippers.

Coverage for oversized, steel, or construction material hauls across Massachusetts highways and urban streets.

Expedited freight insurance for time-sensitive deliveries, including regional courier services and last-minute logistics.

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

Insurance programs for refrigerated goods, including seafood, produce, and pharmaceuticals in Massachusetts’ variable climate.

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

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

Coverage for last-mile deliveries, retail freight, and e-commerce operations throughout Boston, Worcester, Springfield, and other cities.

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

Typical coverage:

• $750,000 general freight
   
• $1,000,000 fuel/oil 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 safety and compliance training
   

• Massachusetts Registry of Motor Vehicles – Motor Carrier Services
  https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles
   
• Massachusetts Motor Transport Association
  https://www.mmta.com/
   
• FMCSA Massachusetts Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Massachusetts truckers stay protected, compliant, and confident — from Boston to Springfield and across the Bay State.

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