Are you about to purchase long haul trucking insurance in 2022? If YES, then here is everything you need to know about long haul trucking insurance. Indeed, the trucking business is no joke. There is a massive demand for trucking services especially with the upsurge of industries eager to get their products distributed from one location to the other. Though there is plenty of earning potential in the trucking business, there is an equal amount of risks involved.

For instance, there are incidences wherein the vehicle gets stalled in the middle of the road and may delay the deliveries of your customers. Although it depends on the kind of arrangement you have, but your business may incur penalties for these delays or its absolute loss of income. Again, what if the vehicle gets hijacked and the truck operator has to pay for the replacement cost of the goods?

Aside from the vehicle being damaged in a collision, the lives of the drivers, passengers, and third party individuals are at stake. If you think of all the risks involved and the possible expenses that go with it, you might think twice about venturing into this business.

Truckers will be on the road for long periods of time as their work schedules are not defined by nine-to-five routines. This entails that these truckers need insurance coverage in the middle of the night, far away from their business premise and sometimes even on weekends.

For these and many more, most insurance companies are hesitant to insure long haul truckers. Indeed, it still boils down to the amount of risk taken — the more number of miles a trucker drives, the more risk he takes of meeting with an accident. Some insurance companies provide coverage only up to a 300-mile radius, whereas some others provide up to a 500-mile radius. Very few insurance companies agree to provide coverage beyond a 500-mile radius.

If you are an owner-operator transitioning into long haul trucking, maybe your present insurance provider may offer coverage to the increased driving area. You may not necessarily have to find a new insurance policy or company. However, it is advisable you shop around for insurance providers that specialize in long haul trucking.

Policies That Make up Long Haul Trucking Insurance

Every fleet owner has their own specific needs and criteria where they need long haul trucking insurance protection. As a fleet owner, you will find a lot of insurance packages online and with insurance providers that will cover the most basic needs. Nonetheless, here are basic policies to look out for;

  1. Medical Payments Insurance

Note that this coverage is for medical expenses incurred by drivers or passengers in other vehicles or the driver of a truck involved in an accident. A good number of insurance companies require that owner/operators or owners provide them with the names of any operator who may be driving the vehicle, and sometimes they base the rate you pay for coverage on the driving records of those who are going to be driving.

  1. General Liability Insurance

Almost every state mandates commercial truck owners to maintain liability insurance coverage. This type of coverage covers bodily injury and property damage that others incur due to the actions of the owner or the operator. Each state mandates the minimum amount of liability coverage for owners, but those coverage needs can change when truck drivers cross over into other states during the course of operating the rig. There are also federal mandates about the minimum amount of coverage for these trucks.

  1. Physical Damage Coverage

Lenders would always request physical damage insurance if you have financed the truck’s purchase. This coverage is expected to remain in force for the length of the loan. If the truck becomes damaged due to a collision, this insurance pays for damage without regard to fault. Comprehensive policies also cover losses due to theft, vandalism, fire, and other natural disasters.

  1. Motor Truck Cargo Coverage

Have it in mind that this covers the cargo being hauled with this type of coverage. Federal law mandates $5K minimum coverage for cargo, but individual shippers may require additional limits. This coverage protects you if the cargo you haul is damaged or lost during transit.

  1. Equipment Coverage

Coupled with physical damage, equipment coverage protects you from loss for equipment you keep in the truck, such as navigational devices, electronics, tarps, chains, and other items.

  1. Bobtail Coverage

For times when the commercial tractor is operated on its own without a trailer, bobtail insurance can be crucial.

  1. Non-Trucking Liability Coverage

Note that this coverage kicks in when you are driving the truck outside of business purposes. For instance, when you drive to a job or drive from the job site or if you use it for any personal reason.

  1. Occupational Accident Coverage

This coverage is similar to worker’s compensation insurance but tends to act as a supplement. It offers your employees with long-term disability and payments for accidental death or dismemberment.

How to Reduce Long Haul Trucking Insurance Rates

Long haul trucking insurance is more expensive compared to when the trucking business is operating in an area of smaller radius. Nonetheless, there are still few things that can be done to reduce your monthly bills:

  1. Take Only Relevant Coverage

Some important coverages like liability, physical damage, and cargo insurance are essential. But some insurance companies try to include coverages that you entirely don’t need so that your premium amount increases. For example, if you operate only within a 250-300-mile radius of your business location then make sure your company has charged you for just that much and not for 500-mile radius coverage.

  1. Request for Higher Deductibles

Note that for your monthly premium amount to be lowered you can ask for higher deductibles — the amount that you will have to pay out of your pocket when an accident does occur. However, you have to be careful with this one, sometimes if your deductibles are very low you might have to pay large lump sums of money for damages during an accident and that will defeat the purpose of having trucking insurance.

  1. Compare Quotes from Multiple companies

If you are an owner operator switching to a long haul trucking business then consider which would be cheaper — continuing with your current insurance provider or buying a fresh insurance policy from a new company.

  1. Maintain a Good Driving Record

Putting into consideration the amount of risk involved in buying long haul trucking insurance, it helps if you can show a driving history with excellent records and a well seasoned driver with commercial driver’s license. Note that showing a safe driving record illustrates responsibility and it will entail that you are not high risk for the insurance company.


Long-haul trucking insurance can be complicated, especially when you travel across state lines and don’t know what you will be carrying from one week to the next. There are varying considerations that come into play when you are choosing the best insurance for your long haul trucking coverage.

When picking the right long haul trucking insurance policy for your needs, work with an agent who has experience in working with truckers, owner/operators, and trucking companies. Compare rates through your agent to find the best possible rate and the coverage limits you need to protect your financial interests and your business.

Frequently Asked Questions

  1. What Is Long Haul Trucking Insurance?

Long haul truck insurance is essentially an exclusive type of insurance for commercial trucks, designed specifically for individuals and companies that offer long-distance trucking services.

  1. What Does The Long Haul Trucking Insurance Include?

Long haul trucking insurance covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

  1. Which Companies Provide Long Haul Trucking Insurance?

Here are some companies that provide long haul trucking insurance;

  • Progressive Commercial
  • CoverWallet
  • Lancer Insurance Company
  • HUB International
  • Travelers
  • Colonial Insurance Services
  • Argoins – Argo Insurance Agency
  • East Insurance Group
  1. What Are The Tips You Need To Get the Best Premium Rate For Your Long Haul Trucking Business?

Though it is true that LHT insurance costs more than shorter range trucking insurance, there are still things you can do to reduce your monthly bill.

Avoid irrelevant coverages – Certain coverages like liability, physical damage, and cargo insurance are no-brainers, but insurance salespeople will also offer you additional perks and add-ons. These additional coverages will strengthen your policy, but you might not need them. Be sure to ask your agent to walk you through what you’re being covered for and what coverages can be trimmed off your policy.

Request a higher deductible – Your deductible is the amount you pay out-of-pocket after an accident. You can request a higher deductible to lower your premium, but be cautious because this could end up costing you more in the long run.

Compare multiple insurance companies – This site will get you in touch with three different insurance agents, who’ll then compete for your business. They’ll offer individual prices and you can select which plan works best for your budget.

  1. Why Is Long Haul Truck Insurance Harder to Find?

It is a matter of simple math. The more miles you drive, the more likely you will find yourself in an accident. Add in the fact that long haul truckers oftentimes push themselves for several hours and several weeks on end, and you will understand why insurance companies are so hesitant to insure LHT.

Some insurance companies put a hard cap at a 300 mile radius and won’t insure drivers operating farther than that. Some companies will insure up to 500 miles but no farther. Out of all the commercial trucking insurance providers, only around half will cover over a 500 mile radius.

  1. What Types Of Trucks Does The Long Haul Trucking Insurance Cover?

The types of trucks that long haul insurance covers include flatbed rigs, which are used for carrying steel, or tankers and tractor trailers.

  1. How Does a Long Haul Trucking Insurance Company Calculate My Rate?

You may be wondering why some truckers pay more for coverage than others. Well, truck insurance companies use complicated formulas to determine how much of a risk any individual customer is to insure. They use variables such as the customer’s driving record, location, age, credit rating, MVR report, and gender to access their risk. These factors are largely out of your control now, but if you continue to have a solid driving record, you’ll see your premium creep lower and lower over the years.

  1. How Much Does Long Haul Trucking Insurance Cost?

Here are the costs for long haul trucking insurance;

  • Coverage  – Average Cost
  • Primary Liability – $4000-5000
  • General Liability – $200-600
  • Umbrella Policy – $200-500
  • Physical Damage – $2250-3000
  • Bobtail Insurance – $350-400
  • Un-/Underinsured Motorist – $50-100
  • Occupational Accident – $1600-2200
  • Cargo Insurance – Varies
  • Other Endorsements – Varies
  1. Why Is Truck Insurance So High?

Basically, the weight of the truck affects truck insurance rates. Heavier vehicles require higher coverage limits, and so cost more to insure. This is in part due to the amount of damage a heavier vehicle can cause compared to a slower one, as well as the difficulty of stopping suddenly.

  1. How Much Insurance Does A Trucking Company Need?

Typically, a trucking company will only insure for these lines of coverage: Auto Liability, Auto Physical Damage, Cargo, and General Liability.

  1. Why Is Commercial Truck Insurance So Expensive?

Commercial truck insurance is so expensive because they are prone to accidents and violations and accidents and violations have a higher impact on a commercial truck policy than your typical auto policy because large, heavy vehicles transporting bulk levels of cargo can cause a lot more damage. A minor speeding ticket on a trucker’s driving record could cause a drastic increase in their insurance cost.

  1. What Constitutes Flatbed Truck Insurance?

A well-designed Flatbed Truck Insurance policy contains these coverages: Comprehensive – protects your tractor and flatbed trailer against fire, theft, vandalism, and other causes of loss. Collision – protects your equipment in an event of a rollover, impact with other vehicles, or stationary object.

  1. Who Has The Best Commercial Truck Insurance?

The best commercial truck insurance are Progressive (Best Overall), Sentry (Best for Single Trucks), The Hartford  (Best for Fleets), and CoverWallet (Best Value).

  1. How Much Is Insurance On A Flatbed?

Flatbed Insurance can cost anywhere between $3,000 and $10,000 a year, depending on several factors, like The value of your tractor and flatbed trailer.

  1. How Much Do Owner Operators Pay For Insurance?

The average insurance cost for owner-operators varies based on whether you haul general freight or specialty items. If you have your own authority, it is between $9,000-$12,000 annually per truck. Several factors go into these numbers, so this is just an average.

  1. What Is The Average Cost Of Cargo Insurance?

The average monthly cost for commercial truck insurance ranged from $640 for specialty truckers to $982 for transport truckers. Remember, these are only averages. Insurance companies use many rating factors to calculate your rate, and each can have a big influence on your premium.

  1. Do Truck Drivers Have To Have Insurance?

Although truck drivers are required to have commercial insurance coverage, who pays for it can vary. Some trucking companies own all their vehicles and hire drivers as employees. In this case, the company will bear the insurance costs.

  1. How Much Cargo Insurance Do You Need?

Federal requirements typically max at $5,000 for cargo insurance, but certain shippers and brokers require $100,000 in cargo insurance. Before adding cargo insurance to your commercial trucking insurance policy, consider what type of cargo you will be carrying.

  1. Are Older Trucks Cheaper To Insurance?

Yes, older trucks are cheaper to insure mainly because older trucks are less valuable, so an insurer won’t have to pay out as much in the event of a total loss. You can drop these parts of your insurance altogether and save money. But a truck’s age actually has less of an impact on insurance premiums than its make and model.

  1. Why Barbee Jackson Insurance For Your Short Haul Insurance?

You should choose Barbee Jackson Insurance for your short haul insurance because of the robust coverage you stand to get.

As with most other vehicle insurance policies, a trucking and transportation policy with Barbee Jackson consists of several coverage types. Each of these types of coverage is designed to protect your specific business as well as your personal assets from devastating loss. The coverage that your trucking company requires may include:

  • Liability Coverage

This type of insurance will protect you against liability risks that you will face if you, or an employee of yours, is involved in an accident and found to be at fault. Your liability insurance will cover bodily injury claims, providing financial support for the medical expenses of the injured party.

In addition, your liability coverage will also include property damage incurred in the accident. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense regardless if you are found to be at fault or not.

  • Physical Damage

This is the portion of your Commercial Trucking Insurance policy that you need to pay for the damage to your own vehicle during an accident or because of another incident. Coverage can include both comprehensive damage caused by vandalism, theft, animals, or severe weather, as well as collision damage caused by an accident.

  • Underinsured or Uninsured Motorists Insurance

If your vehicle is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient auto insurance coverage, this policy will pay for your injuries.  In Florida, uninsured motorists will pay for medical coverage only and not property damage.

Please Note: This coverage is state specific and can vary depending on where the vehicle(s) are registered. Please allow our educated agents to explain this valuable coverage to you in more detail.

Cargo Coverage – If the items being hauled by your truck are damaged or lost during transport, you will need this type of insurance to cover the incident.