California Commercial Truck Insurance

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California trucking comes with its own set of challenges — busy urban traffic, mountain passes, and heavy freight corridors along I-5, I-10, and US-101. Whether you’re hauling freight in Los Angeles, San Francisco, San Diego, or Sacramento, or transporting specialized cargo across the state, having the right insurance is essential.

At Trucking Insurance Now, we provide California truckers and fleet owners with tailored coverage, regulatory compliance, and fast quotes — so you can focus on moving your business forward.

👉 Get a Quote for coverage designed for your trucks, drivers, and cargo.

Quick FactsAverage annual premium$13,000–$18,500 for a single truck, depending on coverage, driving history, and routesRequired liability (interstate)$750,000 minimum for general freight (FMCSA)Common higher limits$1M–$5M for hazmat or high-value freightTop regulatory bodiesFMCSA • California Department of Motor Vehicles – Commercial Vehicle SectionTop freight corridorsI-5 • I-10 • US-101 • I-80 • I-15

Cities we serve: Los Angeles • San Francisco • San Diego • Sacramento • Fresno • Bakersfield • Long Beach • Oakland • San Jose • Anaheim

• Primary Liability: Meets FMCSA and California state minimums
• Physical Damage: Collision and comprehensive protection
• Motor Truck Cargo: Coverage for goods in transit
• Bobtail / Non-Trucking Liability: For leased-on operators
• Trailer Interchange: Borrowed trailer coverage
• General Liability & Excess Limits: For fleets and brokers
• Workers Compensation / Occupational Accident: Driver protection
• Uninsured Motorist & Med Pay: Extra peace of mind

Flexible packages for owner-operators hauling locally or interstate. Policies are tailored to driver experience, truck type, and coverage limits.

Multiple trucks? Get fleet discounts, safety program support, and fast COI issuance for shippers and brokers.

Specialized coverage for flatbeds carrying construction materials, steel, or oversized freight statewide.

Hot shot operators benefit from quick quotes, cargo coverage, and trailer protection for time-sensitive deliveries.

Construction and aggregate haulers get tailored coverage including liability, cargo, and physical damage for single trucks or small fleets.

Hauling produce, pharmaceuticals, or frozen goods? Coverage includes reefer breakdown protection and cargo insurance statewide.

Fuel, chemicals, and hazardous material haulers can access higher-limit policies with FMCSA compliance support.

Towing operations in Los Angeles, San Francisco, and surrounding areas require on-hook coverage and garage keepers legal liability.

E-commerce and local delivery operators get coverage for box trucks and straight trucks with optional radius discounts.

• Fast, online multi-carrier quotes
• FMCSA and California DMV filings handled
• Same-day certificates of insurance
• Policies customized to each trucking type and route

Click below — it only takes a few minutes to compare California trucking insurance carriers:

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• Keep a clean driving record
• Install dash cams and GPS tracking
• Maintain trucks well and document inspections
• Complete driver safety training programs
• Bundle cargo and auto liability for discounts

• California Department of Motor Vehicles – Commercial Vehicle Section
  https://www.dmv.ca.gov/portal/vehicle-industry-services/commercial-vehicles/
• California Trucking Association
  https://www.caltrux.org/
• FMCSA California Field Office
  https://www.fmcsa.dot.gov/

Trucking Insurance Now is committed to helping California truckers stay protected, compliant, and confident — from Los Angeles to San Francisco and everywhere in between.

👉 Get a Quote Today