What You Need to Know About Semi Truck Insurance

If you’re an owner-operator, a fleet manager, or just entering the trucking industry, there’s one thing you can’t afford to overlook — semi truck insurance. It’s not just a legal requirement; it’s your safety net on the road, your protection from unexpected costs, and a smart investment in your business.

At Stone Era Insurance Agency, we help truckers like you navigate the ins and outs of commercial trucking insurance every day. In this post, we break down the basics of what semi truck insurance is, what it covers, and how to get the right protection for your rig and your livelihood.

What Is Semi Truck Insurance?

Semi truck insurance is a type of commercial vehicle insurance that covers the risks associated with operating a semi truck or tractor-trailer. It’s designed to protect both the driver and the business from financial losses due to accidents, theft, damage, or liability claims.

Whether you're hauling freight across the state or running a local delivery route, having the right policy in place keeps you legal and covered when it matters most.

What Does It Cover?

A typical semi truck insurance policy includes several types of coverage, such as:

• Liability Insurance – Covers damages if you're at fault in an accident (bodily injury & property damage).

• Physical Damage Coverage – Protects your truck against collision, fire, theft, and vandalism.

• Cargo Insurance – Covers the goods you're transporting.

• Bobtail/Non-Trucking Liability – Covers your truck when it’s not under dispatch.

• Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver with insufficient insurance.

Depending on your business and routes, you may need additional coverage, which a licensed agent at Stone Era Insurance Agency can help you customize.

How Much Does Semi Truck Insurance Cost?

Rates vary based on several factors:

• Your driving record

• The age and condition of your truck

• Type of cargo hauled

• Miles driven annually

• Business location and operating radius

On average, semi truck insurance can range from $8,000 to $15,000 per year for owner-operators, and more for larger fleets. The key to saving money? Working with an agency that knows the trucking industry — like Stone Era Insurance Agency.

Do You Need It?

Yes — if you operate a commercial semi truck, insurance is required by law, and most freight brokers and shippers won’t work with uninsured drivers.

Beyond that, insurance protects your investment. A single accident could cost you tens of thousands of dollars (or more) without the right coverage.

Tips to Save on Semi Truck Insurance

1. Keep a clean driving record.

2. Install safety devices (dashcams, GPS, anti-theft systems).

3. Bundle your policies (cargo + liability + physical damage).

4. Work with a specialized agent who understands trucking.

5. Review your policy annually to remove unnecessary coverage.

Let Stone Era Insurance Agency Help You

At Stone Era Insurance Agency, we specialize in helping trucking businesses — from independent drivers to multi-truck operations — find affordable, reliable semi truck insurance that meets their needs and budget.

We don’t believe in cookie-cutter policies. Our team works with top-rated insurers to build a custom insurance plan that gives you peace of mind on and off the road.

Ready to Get a Quote?

Click below to speak with one of our trucking insurance experts and get your free semi truck insurance quote today. No pressure, just honest advice.