truck insurance quotes

Commercial Truck Insurance Quotes

ByMarketing Dept

Getting the right commercial truck insurance quote shouldn’t be complicated. At NITIC, we make the process fast, transparent, and personalized. Whether you’re an independent owner-operator or manage a small fleet, we’ll guide you through every step so you get the coverage you need—at a price that fits your budget.

We value transparency, personalized service, and dedication to protecting your business. When you partner with us, you’re not just choosing an insurer—you’re choosing a dependable ally who genuinely cares about the success and safety of your trucking business.

With a secure Financial Strength Rating of B++ (Good) from AM Best, you can confidently trust NITIC to meet its obligations to you, our valued policyholder. This rating reflects our solid balance sheet, consistent operational excellence, and unwavering commitment to our customers. Being strategically located near key commercial trucking hubs like Port Newark and New York City provides us unique insights and access to industry-specific resources, ensuring you benefit from competitive pricing and comprehensive coverage options.

What You Need to Get a Commercial Truck Insurance Quote

Each item listed below helps our experts assess your unique coverage needs, evaluate risk, and deliver the most accurate quote possible. The more complete your information, the more tailored (and affordable) your quote will be.

Insurance History

Declarations Page (Current or Personal Auto Insurance)

Providing a copy of your current commercial truck or personal auto insurance declarations page gives our agents a baseline for your current coverage. It helps ensure we match or improve your policy terms and avoid gaps in protection.

Business Details

Business Name and Address

Your business name and location help us identify your operation and determine the relevant regulations based on your state. Since truck insurance rules vary across states, this information is critical for compliance and pricing.

Years in Business

How long you’ve been operating affects risk. Established businesses with a longer track record often qualify for better rates and coverage options due to proven operational stability.

Credit Report (Personal and Business)

Credit history helps determine financial responsibility. A strong credit score, whether personal or business, may positively impact your quote and lower premiums.

Truck Information

Truck Category

The type of truck you operate plays a big role in determining your rate. We cover all major categories, including:

Different trucks carry different risks, so proper classification ensures you receive appropriate coverage.

Detailed Vehicle Information

You’ll need to provide:

  • Make and Model
  • Year
  • Cost when new
  • Gross Vehicle Weight
  • Current Mileage
  • Vehicle Identification Number (VIN)

These details allow us to evaluate the truck’s value, usage, and risk level. The more accurate the information, the more accurate your quote.

Truck Usage

Local vs. Long-Haul Operations

Are your trips primarily short-distance or do you travel across state lines regularly? Long-haul operations generally involve more mileage, more time on the road, and a higher level of risk—all of which affect your premiums.

What Types of Coverage Do You Need?

To provide the most precise quote, we’ll ask you to specify the types of coverage you need. Below are some of the most common:

Core Trucking Insurance Coverage Options

Cargo Details

What Type of Cargo Do You Haul?

The risk level of your cargo impacts your insurance needs and cost. Cargo types are typically classified as:

  • Low Hazard (e.g., dry goods, household items)
  • Medium Hazard (e.g., construction materials)
  • High Hazard (e.g., chemicals, flammable materials)

Specialized coverage may be needed for high-risk freight.

Driver Information

To accurately assess the risks associated with your drivers, we need the following:

Personal Driver Details

  • Legal Name
  • Date of Birth
  • Social Security Number
  • Driver’s License Number

These details are necessary to conduct motor vehicle record checks and ensure drivers meet underwriting standards.

Driving History and Claims

Driver’s Record (Poor, Fair, Good, Excellent)

Drivers with clean records tend to qualify for better rates. We look at factors like accidents, violations, and license suspensions.

Claims History (Past Three Years)

A history of past insurance claims helps us understand potential risks and identify patterns. This information can influence both eligibility and pricing.

Truck Insurance Deductible Preferences

Choosing the Right Deductible

Your deductible level will directly affect your premiums. You’ll choose from:

  • Low Deductible: Higher premiums, lower out-of-pocket expenses when filing a claim
  • Medium Deductible: Balanced approach
  • High Deductible: Lower premiums, but higher out-of-pocket responsibility during a claim

We’ll help you find the right balance for your risk tolerance and budget.

Why Is All This Information Important for An Accurate Quote?

Every detail helps us evaluate your operation’s risk profile and find the right coverage—nothing more, nothing less. With accurate information:

  • You avoid overpaying for unnecessary coverage
  • You prevent gaps in protection
  • You ensure compliance with state and federal trucking regulations
  • You get the most accurate quote the first time

Why Choose NITIC for Your Trucking Insurance Needs?

Since our founding in 2001, National Independent Truckers Insurance Company (NITIC) has helped thousands of independent owner-operators and small fleet owners get the protection they need to stay on the road and grow their business.

What Sets Us Apart?

  • Licensed in 48 States – We know the regulatory requirements wherever your routes take you.
  • Expert Trucking-Only Insurance Agents – Our agents specialize exclusively in commercial trucking—this is all we do.
  • Strong Financial Rating – Rated B++ (Good) by AM Best, so you can count on us to deliver when you need us most.
  • Located Near Key Hubs – Strategically based in Linden, New Jersey—near Port Newark and New York City—we understand your regional needs and offer competitive pricing based on location.
  • Unmatched Customer Service – We’re committed to your long-term success. With NITIC, you get a partner who puts your business first.

Frequently Asked Questions About Commercial Truck Insurance Quotes

How long does it take to get a commercial truck insurance quote from NITIC?

In most cases, we can provide a quote within the same business day, especially if you have all your information ready. The more complete your details—such as vehicle info, driver records, and coverage needs—the faster we can get you covered.

Can I get a commercial truck insurance quote if I don’t currently have insurance?

Yes. Whether you’re just starting your business or switching from another provider, we can help. Just let us know your situation, and we’ll guide you through the process to ensure you’re properly covered from day one.

Do I need a good credit score to get truck insurance?

A higher credit score can help you qualify for better rates, but it’s not a deal-breaker. We work with truckers at all credit levels and offer competitive quotes based on your full risk profile—not just your credit history.

Will getting a quote from NITIC affect my credit score?

No. Requesting a quote does not require a hard credit pull. We use soft checks or work with the information you provide to assess your application, so your score won’t be affected by getting a quote.

What’s the difference between Primary Liability and General Liability insurance?

  • Primary Liability covers injuries or property damage you may cause to others while operating your truck.
  • General Liability protects against non-driving-related risks—like if someone is injured on your premises or you cause damage while loading/unloading cargo.

Both are important, and our team can help you determine which ones you need based on how your business operates.

How much does commercial truck insurance typically cost?

Pricing varies based on many factors, including your:

  • Type of truck
  • Driving history
  • Business location
  • Type of cargo
  • Length of time in business

We tailor each quote to your specific profile to provide the most accurate and competitive rate possible.

Can I get a quote online or do I need to call?

You can start the process online, but to ensure accuracy, one of our licensed agents will follow up with you to finalize the quote. This personal touch ensures you get only the coverage you need—nothing extra, nothing missing.

What if I have a past claim or a less-than-perfect driving record?

We understand that not everyone has a spotless record. NITIC specializes in helping drivers and fleets with all kinds of histories find the right coverage. We’ll work with you to find options that match your situation and budget.

Get a Fast, Accurate Truck Insurance Quote Today

We’re here to make the process as quick and painless as possible. Our agents are standing by to help you get the right policy at the right price.

Call us at 800-726-8376 or click here to get your commercial truck insurance quote.

Your coverage is just a conversation away.