How Much Does Non-Trucking Liability Insurance Cost in California?

If you're an independent truck driver or owner-operator in California, you've probably heard the term Non-Trucking Liability (NTL) insurance thrown around. But what exactly is it?

Non-Trucking Liability insurance provides coverage for your semi-truck when you're off the clock—not hauling freight or under dispatch. Think of it as your truck's personal insurance when you're using it for personal errands or simply driving it without a load.

Why It’s Important in California

California is known for its strict commercial vehicle regulations and higher-than-average accident risks due to heavy traffic. Even when you're not working, your truck is still a liability on the road. That's where Non-Trucking Liability insurance comes in—it helps protect you financially if you're involved in an accident outside of work-related activities.

So, How Much Does Non-Trucking Liability Insurance Cost in California?

On average, Non-Trucking Liability insurance in California can cost anywhere between:

• $30 to $65 per month

• Or around $360 to $780 annually

However, pricing can vary based on several factors:

✅ Key Factors That Affect Cost:

1. Driving Record – Clean records get lower premiums.

2. Type of Truck – Newer or more expensive trucks may cost more to insure.

3. How Often You Drive Off-Duty – More personal use may increase your premium.

4. Location – Urban areas like Los Angeles or San Francisco can drive up costs.

5. Your Motor Carrier's Policy – If their policy excludes coverage during downtime, you’ll definitely need NTL.

Is It Worth It? Absolutely.

Imagine this: You’re heading to the mechanic on your day off, and someone rear-ends your parked truck. Without Non-Trucking Liability insurance, you're stuck paying out-of-pocket—even though it wasn’t your fault while on dispatch.

Protecting your truck when you're not working is just smart business—and peace of mind.

Can You Bundle and Save?

Yes! At Stone Era Insurance Agency, we often help our clients bundle NTL with physical damage, bobtail, or occupational accident insurance—which can save you hundreds annually.

Get a Personalized Quote Today

Don’t risk operating uninsured during your off hours. Whether you’re based in Sacramento, Fresno, Los Angeles, or anywhere in California, Stone Era Insurance Agency can tailor a Non-Trucking Liability policy that fits your needs and your budget.

💡 Quick Tip: You can often get approved and insured the same day!

Ready to Get Covered?

Let’s make sure you and your rig are fully protected 24/7.
👉 Call Stone Era Insurance Agency today or request your free Non-Trucking Liability quote online.