Primary Liability Insurance for Truckers & Fleets
What Is Primary Liability Insurance?
Primary liability insurance is the foundation of every trucking insurance policy. It provides coverage for bodily injury and property damage that you, as a truck driver or fleet owner, may cause to others in an accident. Federal law requires all motor carriers operating under their own authority to carry primary liability coverage to legally operate on U.S. highways.
If you’re an owner-operator under your own DOT/MC authority, this coverage isn’t optional—it’s mandatory. Without it, your trucks cannot roll, and your business can’t operate legally.
FMCSA & DOT Insurance Requirements
The FMCSA requires carriers to have $750,000 to $1,500,000 in primary liability coverage, depending on the type of freight you haul. However, many shippers and brokers demand at least $1 million in coverage to work with you.
Common Minimums
General freight: $750,000–$1,500,000
Hazmat carriers: $5,000,000
Household goods: $750,000
Who Needs Primary Liability Insurance?
Owner-Operators with Authority – Required by law before operating.
Motor Carriers & Fleet Owners – Must maintain liability coverage for each unit.
New Entrants – Must secure coverage before receiving MC operating authority.
If you’re leased onto a motor carrier, you typically won’t need your own primary liability since it’s provided by the carrier. Instead, you may only need non-trucking liability or bobtail insurance.
How Much Does Primary Liability Insurance Cost?
The cost of truck liability insurance depends on factors like:
Key Pricing Factors
Driving record & CDL experience
Type of cargo hauled
Distance traveled (long-haul vs. regional/local)
Size of your fleet
Safety record & DOT inspections
On average, new authorities can expect $12,000–$35,000 per truck per year, but rates vary widely.
Why Choose Us for Your Trucking Liability Insurance?
At A Truck Insurance Agency, we specialize in trucking risks and know the ins and outs of FMCSA compliance. Unlike general insurance agencies, we:
Work exclusively with truckers and fleets.
Access multiple top-rated commercial truck insurance carriers.
Help new authorities file their BMC-91X quickly so you can activate your authority faster.
Offer guidance on safety programs to help lower your premiums over time.
Get a Free Primary Liability Insurance Quote Today
Don’t risk your trucking business with inadequate coverage. Whether you’re a new authority applying for your DOT/MC number or a seasoned fleet owner, we’ll find you the right liability policy at the best price.
👉 Call us at 908-888-0120 or fill out our quick online form to get started.