What Is The Cheapest Commercial Truck Insurance In Georgia?

What You Need To Know In 2022

Last Updated: January 26, 2022

Want to know what is the cheapest commercial truck insurance? There are many commercial truck Georgia, and they all play an essential role in the transportation business when it comes to insurance. Commercial trucks are of various types, and each has a unique set of coverage. The primary way to protect the trucking company is to get the insurance that best fits your company. You can contact a local insurance agent for help as well. 

What Is The Cheapest Commercial Truck Insurance?

Different types of trucks are on the road daily. One type of truck is the commercial truck. It refers to any truck that businesses use for commercial purposes. A truck that is used by enterprises regularly for their work, or any vehicle that carries commercial goods or provides commercial services, is known as a commercial truck. There are different types of commercial trucks, and some of them are:

  • Eighteen-wheelers
  • Tankers
  • Freight Vehicles
  • Delivery Vehicle

If anyone around you has a bad driving history then make sure you read our blog on commercial truck insurance with bad driving record. In order to understand what is good and bad.

commercial truck georgia

What is Commercial Truck Insurance?  

While a commercial auto insurance policy covers a wide range of vehicles, Georgia commercial truck insurance includes vast vehicles, like a semi-truck, dump truck used for commercial purposes, and transporting goods or agriculture. Also, the commercial truck insurance coverage depends on the kinds of cargo or hauled supplies. At the same time, the size and model of the vehicle. In some cities in Georgia, truck insurance policies are open for various commercial trucks, including tow trucks, dump trucks, pickups, cement mixers, and tractors. Also, if you live in the area, you may also be interested in reading our blog about coverages and rates for your commercial truck New York.

  • Georgia primary auto liability: According to the  Office of Commissioner of Insurance and Safety Fire, Georgia drivers require liability insurance that meets the state minimum to drive legally on Georgia’s roads. The minimum insurance limits include Bodily Injury Liability of $25,000 per person and $50,000 per incident. In addition to that, it also includes $25,000 per incident.
  • Non-trucking liability insurance: Non-trucking liability insurance is a type of liability insurance that pays when you use your commercial truck for personal use, like going to the grocery store, bank, or family outing. Since you are not driving for commercial purposes, there is no coverage under your trucker’s liability or business auto policy. Hence, this coverage saves you during those events.

commercial truck

Final Takeaway On What Is The Cheapest Commercial Truck Insurance?

  • Motor truck cargo: An increasing number of risk managers require truckers to insure their shipments. For this reason, this coverage offers insurance on the freight or commodity hauled by a for-hire trucker. It provides coverage for cargo liability damaged or lost due to causes such as collision, fire, or striking of a load.
  • Motor trucking general liability: This insurance is essential for for-hire truckers. It pays for property damage or injuries during any business activities. For example, if your company’s driver causes erroneous delivery of products resulting in any damage, this insurance kicks in.

Frequently Asked Questions


1. What should the cost of my truck insurance be?

If you own and operate the truck, you should expect to pay between $9000 and $15,000 per year, including all insurance components, assuming you have a good driving record.

2. Which truck is the most expensive to insure?

The Chevrolet Silverado 1500 LTZ is the most expensive truck to insure.

  • Before Jerry, the average annual premium was $3611.
  • After Jerry, the average annual premium is $2960.
  • Miles per gallon: 18 in the city and 24 on the highway.
  • 8 out of 10 for vehicle and driver safety ( December 2021)
  • The list price is $49,000. (December 2021)

3. Is it more expensive to insure a one-ton truck?

Half-ton pickup truck insurance rates range from $121 per month for the Ford F150 to $159 for the GMC Hummer EV Pickup. Larger three-quarter and one-ton trucks cost slightly more per month, ranging from $119 for the Chevrolet Silverado HD 3500 to $168 for the Ram Truck 3500.

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how much is insurance for a commercial truck