How Much Does Commercial Truck Insurance Cost in Florida?

If you own or operate a trucking business in Florida, one of the biggest questions you may have is: “How much does commercial truck insurance cost?” The answer isn’t always simple, because insurance premiums can vary widely depending on your truck type, driving history, business size, and the coverage you need. At Commercial Pro Shield Insurance, we help Florida truckers find coverage that protects their livelihood—without breaking the bank.

Average Cost of Commercial Truck Insurance in Florida

On average, commercial truck insurance in Florida can range from $12,000 to $20,000 per year per truck for owner-operators with their own authority. For leased drivers or smaller box trucks, costs can be lower, averaging $3,000 to $5,000 annually depending on driving records and company requirements.

Here’s a breakdown of what affects your rate:

• Type of Truck & Cargo – Heavy-duty semi-trucks usually cost more to insure than box trucks or delivery vans.

• Driving History – Clean records save thousands each year.

• Operating Radius – Local routes may cost less than long-haul interstate trucking.

• Coverage Options – Primary liability, physical damage, cargo coverage, and general liability all factor into the final premium.

• Experience – New drivers often face higher premiums until they build a track record.

Why Florida Rates May Be Higher

Florida is known for heavy traffic, a higher accident rate, and unique insurance laws. These factors can make commercial truck insurance more expensive compared to other states. That’s why it’s important to work with an agency that understands local requirements.

How to Save on Commercial Truck Insurance in Florida

At Commercial Pro Shield Insurance, we specialize in helping Florida truckers reduce costs while staying fully compliant. Here are a few tips:

• Shop multiple carriers (we do the comparison shopping for you).

• Maintain a clean driving record.

• Consider higher deductibles to lower monthly premiums.

• Ask about discounts for safety programs or fleet policies.

Get a Free Quote Today

Whether you’re an independent owner-operator or running a fleet, having the right coverage at the right price is crucial. At Commercial Pro Shield Insurance, we make it simple to find affordable commercial truck insurance in Florida that protects your trucks, drivers, and cargo.

👉 Call us today or request a free online quote to see how much you could save.