Tennessee Commercial Truck Insurance

---

Tennessee is a major freight crossroads in the Southeast — with heavy volume moving through the Memphis rail/port hub and major interstate corridors such as I-40, I-24, I-65, and I-75. Whether you’re hauling regional freight across the Mid-South, running metro deliveries in Nashville or Memphis, or moving specialized loads through Knoxville and Chattanooga, the right trucking insurance protects your people, equipment, and balance sheet.

At Trucking Insurance Now, we make it fast and simple to compare Tennessee truck insurance programs from multiple carriers so you can find the coverage that matches your routes, cargo, and risk profile — and get back on the road.

👉 Get a Quote

Quick FactsAverage annual premium$9,500–$16,000 per truck (varies by operation, driver history, and cargo)Required liability (interstate)$750,000 minimum for general freight (FMCSA)Common higher limits$1M–$5M for hazmat, tanker, or high-value freightTop regulatory bodiesFMCSA • Tennessee Department of Safety & Homeland Security – Motor Carrier ServicesTop freight corridorsI-40 • I-65 • I-24 • I-75 • US-64 • I-55 (Memphis area) 

Cities we serve: Memphis • Nashville • Knoxville • Chattanooga • Clarksville • Murfreesboro • Jackson • Johnson City • Kingsport • Columbia

Customized policies for owner-operators running under their own authority or leased-on to carriers. We match you with markets that understand single-truck operations, providing liability, cargo, bobtail/non-trucking, and physical damage options with flexible billing.

From small 2–10 truck fleets to large regional operations, we design fleet programs that include multi-unit discounts, telematics integration, MVR monitoring, and streamlined COI issuance for brokers and shippers.

Flatbed exposures (oversize loads, securement risk) are common in Tennessee’s construction and manufacturing markets. We place flatbed risks with carriers that underwrite tiedown practices and reward documented safe procedures.

Hot shot operators and expedited couriers across Nashville, Memphis, and the I-40 corridor need agile programs with appropriate cargo limits, trailer coverage, and fast binder/COI turnaround so you don’t miss loads.

Construction contractors and quarry/dump operators need liability and physical damage coverage tailored for off-road and on-road exposures — plus pollution and loading endorsements when required by municipal contracts.

Food distribution and produce haulers operating around Memphis (a major distribution hub) need cargo and reefer breakdown protection. We place programs that include contamination coverage and equipment protection.

Fuel, chemical, and other hazmat carriers require specialty markets and higher limits (often $1M–$5M). We work with underwriters that expect safety management systems and driver hazmat endorsements.

On-hook liability, garage keepers legal liability, and business auto coverages for towers and recovery specialists operating across interstates and urban corridors.

E-commerce and last-mile delivery fleets in cities like Murfreesboro and Johnson City can access radius-based discounts and hired/non-owned options for contract drivers.

• Speed: Fast online quote capture and multi-carrier shopping.
   
• Compliance: We handle FMCSA and Tennessee filings so you can operate legally and quickly.
   
• Specialized Markets: Access to carriers that understand hot shot, flatbed, tanker, reefer, and tow operations.
   
• Service: Same-day COIs and renewal reviews to keep premiums competitive.
   

• Interstate carriers must meet FMCSA minimums (e.g., $750,000 for general freight; higher for certain commodities).
   
• Intrastate carriers must satisfy Tennessee state requirements—minimums vary by vehicle weight and cargo type.
   
• Common filings: Form MCS-90 / BMC endorsements, evidence of insurance for carriers, and state-level filings where required.
   
• Workers’ Comp: Required if you have employees in Tennessee; consider occupational accident options for owner-operators.
   

If you’re unsure what filings you need, Trucking Insurance Now will guide you through each step and file on your behalf when authorized.

• Maintain clean driver records: Regular MVR checks and progressive discipline reduce risk.
   
• Adopt safety tech: Forward- and inward-facing cameras and telematics are credited by many underwriters.
   
• Document maintenance: A detailed preventive maintenance log reduces mechanical-failure losses.
   
• Limit high-risk exposure: Where possible, avoid peak congestion windows in urban centers.
   
• Implement a driver training program: Defensive driving and in-house training reduce claims and lower rates.
   
• Bundle policies: Combine auto liability, cargo, and physical damage for multi-policy discounts.
   

Getting a Tennessee trucking insurance quote with Trucking Insurance Now is quick:

1. Click Get a Quote and complete our short form.
    
2. We shop top carriers that underwrite Tennessee risk profiles.
    
3. We present options and assist with filings, COIs, and binding.
    

👉 Get a Quote Now