Alabama Commercial Truck Insurance

Searching for commercial truck insurance in Alabama? With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted source of commercial truck insurance quotes. Over the past 20+ years, we have grown to be one of the best commercial truck insurance companies in Alabama by providing flexible coverage and payment options, free filings, expert handling of heavy truck claims, savings, and knowledgeable help. For all of your hauling needs, we are the best business partner.

Partner with NITIC and Save On Your Alabama Commercial Truck Insurance!

Safeguard your trucks with the finest coverage
Insurance for commercial vehicles is essential because it is exposed to several threats on a daily basis. You need to get comprehensive truck insurance in Alabama to minimize the risks to your finances and business operations.

How Can We Help Alabama Truckers Like You?

At NITIC, you get the best out of your money spent. We offer a wide range of insurance solutions to our clients in Alabama. We can help you get the finest policy according to your business requirements. From primary liability and non-trucking liability to motor truck cargo and trailer interchange, we cover all the essential policies that your trucking business needs.

Areas we cover in Alabama

We offer commercial truck insurance in almost every city of Alabama including:

From Birmingham to Auburn, all types of vehicles in Alabama are required to have primary liability coverage whether they use for personal or money-making purposes. Call us and save a lot of money on your truck coverage.

Commercial truck insurance in Alabama

In Alabama, commercial truck insurance protects your vehicles from common risks which you face as a trucker. This coverage protects a range of businesses from various possibilities on the road. Whether you own a heavy-duty truck or a light one, NITIC offers coverage for all types of trucks at the most affordable prices including:
Box trucks
Box trucks are exceptionally multipurpose vehicles utilized for hauling all types of cargo. Well-known for their powerful engines, these trucks offer the safest cargo space.

Hotshots ensure the timely delivery of shipments to various locations. Generally, small loads, project-critical cargo (equipment, construction material, etc.), and time-sensitive shipments are hauled using hotshot trucks.

Dump trucks

Also called dumping trucks are used for transporting, loading, and unloading massive volumes of material like gravel, dust, demolition waste, sand, and ores.

Tow trucks

Tow trucks are used for moving totaled, wrongly parked, and immovable vehicles from one point to another. Tow trucking also involves recovering the damaged vehicle under the tow trucker’s custody.

Tractor trailers

Also known as semi-trucks are heavy-duty vehicles with multiple axles. It has a long trailer attached to its back. The two sections of semi-trucks i.e. tractor and trailer are hinged together by metal bars.

Pickup trucks

Pickup trucks are light-duty vehicles that are designed to move shipments in Alabama. These trucks have enclosed cabins with a cargo bed in the back without a roof.

Who needs truck insurance in Alabama?

Any company or individual who uses trucks for profitable purposes must insure their commercial vehicles adequately. Whether you are working under a lease or work under your own authority, you need adequate truck insurance coverage for your protection. This coverage safeguards your business and truckers from various possibilities.

Heavy-duty trucks or other commercial vehicles are exposed to a greater degree of risk than others. These vehicles require a special type of coverage. When you partner with us you get:

Did You Know?

Alabama’s state minimum liability limit, known as a split limit, divides the dollar amounts payable by your insurer for bodily injury and property damage into three distinct categories. Opting for Alabama’s state minimum limits provides coverage up to:

  • $25,000 for each person injured in an accident
  • $50,000 for all individuals injured in an accident collectively
  • $25,000 for all property damaged in an accident

Alabama Commercial Truck Insurance Minimum Requirements

Alabama state law mandates that all commercial auto policies maintain a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage, denoted as 25/50/25 coverage. However, certain policies may require higher limits based on the types commercial truck.

Moreover, trucks bearing a USDOT or Motor Carrier (MC) number are subject to separate coverage requirements. For instance, the Federal Motor Carrier Safety Administration (FMCSA) typically imposes a minimum combined single limit of $750,000 for semi-trucks and other large vehicles traveling interstate.

It’s important to carefully choose coverage limits that suit your trucking business needs, in addition to meeting Alabama state law requirements. Inadequate coverage for your commercial truck risk could expose you to substantial liabilities, potentially jeopardizing your business assets and future viability.

Alabama Commercial Truck Insurance Cost

The cost of your commercial truck insurance in Alabama will vary based on many factors, but we find that the range for a yearly premium is between $12,200 and $15,200, depending on the type of truck and limit of liability.

Example Alabama Commercial Truck Insurance Cost Estimate

The below scenario assumes a clean driving record. Your personal driving history will affect your Alabama insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium. 

Limit of Liability
Dump Truck
Box Truck
Tow Truck
Tractor Trailer

How to save on your Alabama commercial truck insurance premium

Safety Programs: Introduce safety programs within your trucking business to mitigate the risk of accidents. Alabama insurers often offer discounts for businesses with robust safety measures.

Driver Training: Ensure your drivers undergo regular training to enhance their skills and safety awareness. Well-trained drivers in Alabama may qualify for reduced insurance premiums.

Maintain a Good Driving Record: Maintain clean driving records for both your business and individual drivers to potentially lower insurance costs. Minimize accidents and traffic violations to maintain a favorable insurance profile.

Choose Higher Deductibles: Opt for higher deductibles to potentially lower premium costs, but carefully consider the financial impact on your business in case of a claim.

Safety Features: Outfit your Alabama commercial trucks with safety features like GPS tracking, anti-theft devices, and collision avoidance systems. Insurers in Alabama often offer discounts for vehicles equipped with advanced safety technology.

Fleet Management: Implement efficient fleet management practices, including regular maintenance, inspections, and meticulous record-keeping. A well-maintained fleet can lead to reduced insurance expenses.

Review Coverage Needs: Periodically evaluate your coverage requirements and adjust them based on changes in your business operations. Avoid over or under-insuring your trucks to optimize costs.

Bundle Policies: Explore bundling different insurance policies with providers in Alabama, as this may result in discounts on overall insurance expenses.

Increase Security: Enhance the security of your trucks by implementing measures such as secure parking, surveillance, and cargo protection. A secure operation may qualify for lower insurance rates.

Alabama Commercial Truck Insurance Filings


Referred to as an ANNL permit, this type is essential for any load exceeding 80,000 pounds or with dimensions surpassing 8 feet wide or 14 feet high. Unlike other permits, the ANNL cannot be split into multiple loads and must remain within state lines until reaching its final destination. The permit cost hinges on the load’s weight and duration of road use.


The AAOP, an annual permit, authorizes truckers to transport overweight loads up to 135,000 pounds gross vehicle weight (GVW) exclusively within Alabama’s borders. Valid for one year from the issuance date, it mandates submission of an application along with payment to acquire.


Designed for trip-specific needs, the AOTP permits truckers to haul oversized or overweight loads within Alabama without pre-issued ANNL or AAOP permits. Its cost varies based on load size, weight, and travel duration to the destination.


A DOT number, issued by the Federal Motor Carrier Safety Administration (FMCSA), uniquely identifies commercial trucks operating in Alabama and across the US. It signifies compliance with federal safety and environmental standards, mandatory for motor carriers, brokers, freight forwarders, leasing companies, private carriers, and intermodal equipment providers before commencing operations on public roads in Alabama.


Alabama motor carriers must adhere to Federal Motor Carrier Safety Administration (FMCSA) regulations, obtaining an MC number to validate commercial trucking authority. This number assures compliance with high safety standards, fostering trust and credibility among shippers, brokers, and the public.


Alabama mandates commercial trucking companies to file a BOC-3, or Interstate Motor Carrier Operating Authority Form, facilitating the issuance of an Operating Authority Certificate. This certificate authorizes interstate transport and confirms responsible carrier status.


Alabama mandates registration with the Unified Carrier Registration (UCR) program for commercial trucking fleets to operate within the state legally. UCR ensures uniform registration and fees across participating states, fortifying regulations for the benefit of businesses and citizens.

2290 HVUT

The 2290 Heavy Vehicle Use Tax (HVUT), a federal excise tax collected by the IRS, applies to commercial trucking companies operating large vehicles with a gross weight of 55,000 pounds or more. Alabama requires this tax for all commercial trucks registered or based within the state, regardless of weight, contributing to highway maintenance and reducing interstate fraud.


Sheri is the best customer service rep around. Very pleasant and very informative.