Commercial Truck Insurance in Kentucky

---

Kentucky is a key freight hub in the Midwest and South, with trucking operations moving agricultural products, automotive parts, and manufactured goods along I-64, I-65, I-71, and I-75. Whether your operation is urban-focused in Louisville or Lexington, rural in Bowling Green, or servicing multiple states, your trucks, cargo, and drivers need reliable coverage.

At Trucking Insurance Now, we help Kentucky truckers and fleet owners secure fast, customized quotes, maintain FMCSA compliance, and get the protection they need to run safely and efficiently.

👉 Get a Quote

Quick FactsAverage annual premium$9,500–$15,000 per truckRequired liability (interstate)$750,000 minimum (FMCSA)Common higher limits$1M–$5M for hazmat or high-value freightTop regulatory bodiesFMCSA • Kentucky Transportation Cabinet – Division of Motor CarriersTop freight corridorsI-64 • I-65 • I-71 • I-75 • US-31W • US-60 

Cities we serve: Louisville • Lexington • Bowling Green • Covington • Owensboro • Frankfort • Richmond • Florence • Henderson • Hopkinsville

Customized coverage for independent drivers hauling locally or across state lines. We tailor premiums to truck type, radius, and driver history.

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

Protect flatbed operations hauling construction materials, steel, and oversized loads across Kentucky highways.

Short-haul, expedited freight programs with flexible coverage limits for high-turnover deliveries.

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

Refrigerated freight programs for perishable foods, pharmaceuticals, and sensitive cargo.

Specialized coverage for fuel, chemical, or hazardous material hauls, including high-limit liability options.

On-hook coverage, garage keepers liability, and business auto for tow operators servicing urban and rural Kentucky.

Coverage for last-mile deliveries in Louisville, Lexington, and other urban centers with optional radius-based discounts.

• Intrastate trucking: Must meet Kentucky Transportation Cabinet insurance minimums for liability and cargo.
   
• Interstate trucking: Must comply with FMCSA regulations, including minimum liability limits and Form E/MCS-90 filings.
   
• Workers Compensation: Required if your trucking business employs drivers in Kentucky.
   

Typical minimum coverage:

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

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

• Kentucky Transportation Cabinet – Division of Motor Carriers
  https://transportation.ky.gov/Motor-Carriers/
   
• Kentucky Motor Truck Association
  https://www.kmta.org/
   
• FMCSA Kentucky Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Kentucky truckers stay compliant, protected, and confident — from Louisville to Lexington and across the Bluegrass State.

👉 Get a Quote Today