Long Haul Trucking Business Insurance Cost: What You’ll Pay in 2026
- 5 hours ago
- 2 min read
Running a long haul trucking business involves significant financial responsibility, and insurance is a major part of your budget. Understanding what drives costs and what you’ll likely pay in 2026 helps you plan for your fleet’s protection.
Average Long Haul Trucking Insurance Costs in 2026
Insurance costs for a long haul trucking business vary depending on fleet size, coverage limits, and driver experience. On average:
Commercial Auto Insurance: $5,000 – $12,000 per truck per year
Cargo Insurance: $400 – $1,500 annually per truck, depending on goods value
General Liability Insurance: $500 – $2,500 per year
Workers’ Compensation: $2,000 – $8,000 per year, depending on payroll and risk
For small fleets (1–5 trucks), total annual insurance costs may range from $10,000 – $30,000, while larger fleets with 10 or more trucks can see costs reach $50,000 – $100,000 or more.
Factors Affecting Long Haul Trucking Insurance Costs
Several factors influence your premiums:
Fleet Size and Vehicle Type – Larger fleets or trucks with higher values increase risk exposure.
Driver Experience and Records – Clean driving records and experienced drivers help reduce premiums.
Coverage Type and Limits – Higher liability limits or additional coverage, such as cargo protection, increase costs.
Routes and Geography – Long-distance or high-traffic routes may result in higher premiums.
Safety Programs – Implementing safety protocols and vehicle maintenance schedules can lower insurance rates.
For regulatory guidance, refer to the Federal Motor Carrier Safety Administration (FMCSA) for insurance requirements.
How to Get a Personalized Quote Quickly
Working with a broker or provider familiar with long haul trucking businesses ensures your quote accurately reflects your operations. Trusted brokers like Wexford Insurance can provide fast, tailored quotes to protect your fleet and drivers. Request a personalized quote from Wexford Insurance today.
Tips to Manage Your Insurance Costs
Maintain accurate fleet records and driver information
Bundle policies for multiple trucks
Regularly review coverage to eliminate unnecessary add-ons
Invest in safety and training programs to reduce claim risk
Understanding your long haul trucking insurance cost helps you budget effectively and ensures your business is protected against unexpected accidents or liabilities.
