Florida Commercial Truck Insurance

With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted commercial truck insurance company in Florida. Our exceptional customer support, affordable truck insurance, fastest claim settlement policy, and quality service distinguish us from other commercial truck insurance policy providers in Florida. We custom-made truck coverages according to actual business needs. We don’t pitch unnecessary add-ons to our customers because we value money and time. Let us connect and provide the best coverage to your trucking business.

Get several comprehensive commercial trucking insurance solutions under one roof

Great trucking coverage at the lowest cost

As seasoned insurance professionals with years of expertise in the trucking industry, NITIC understand the unique challenges faced by commercial truck owners in Florida. Our extensive experience in providing insurance solutions for commercial vehicles positions us as authorities in the field. We are dedicated to ensuring the smooth operation of your trucking business by offering a safety net tailored to your specific insurance needs. Our commitment to excellence and a track record of satisfied clients underscore our trustworthiness. Let us leverage our industry knowledge to secure the finest truck insurance coverage for your business at the most competitive rates, ensuring uninterrupted success for your operations.

How we can help Florida commercial truckers

If you are looking for the best commercial truck insurance rates in Florida, then NITIC can surely help. We have over 30 years of experience in providing high-quality and comprehensive trucking coverage to our clients at a cost they can easily afford. NITIC offers constant customer support right from customizing the coverage to setting the claim at the earliest.

Areas we cover in Florida

We have clients in almost every city in Florida including:

Customers across the cities of Florida have depended on us for ensuring their investments. We have different discounted options for different cities. Call us anytime and get immediate assistance with the rates and saving options in your coverage.

Commercial Truck Insurance in Florida

Accidents in Florida often bring disastrous results to the third party as well as your own trucker. No matter how minor or major the incident is, it can put the entire business operation on long hold. To avoid such a financially draining situation, you need to get proper commercial truck insurance. This coverage not only offers monetary support but also helps you operate legally on the road.

What type of commercial trucks do we insure in Florida?

Whether you own a small company or a big one, you need adequate protection in the form of truck insurance. No matter how small or big your commercial vehicle is, we ensure all types of trucks including:

Semi-trucks: Having multiple axles, semi-trucks or tractor-trailers are designed to carry heavy cargo from one end to another. It has a long trailer attached to the back of the truck.

Tow trucks: Moving damaged, irreparable, or wrongly parked vehicles from one point to another is what towing trucks do. Some towing business also offers repair facilities in their custody.

Box trucks: Used for multipurpose, box trucks are used for transporting various types of cargo from point A to point B. It has one of the most powerful engines.

Dump trucks: Dump trucks are heavy-duty vehicles that are used for hauling bulky construction materials like dust, sand, asphalt, gravel, etc.

Refrigerator trucks: Trucks that have in-built refrigeration are used for transporting ice cream, seafood, and other perishable goods.

Hotshots: Hotshots are used for time-sensitive deliverables. These trucks usually carry small loads from one place to various locations on an expedited timeline.

How Much Does Commercial Truck Insurance Cost in Florida?

While each driver’s situation is unique, the average commercial truck insurance premium in Florida for drivers with a clean driving record is between $12,000 – $15,200 per year, depending on the type of truck they are looking to insure.  In Florida, we see a range of premiums from $12,000 to $16,000 per year.

To find out how much you can expect to pay for your commercial truck insurance in Florida, contact our team today for a quick and easy quote.

Example truck insurance premium cost in Florida

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

Limit of Liability
Tractor Trailer
Dump Truck
Box Truck

What are the Florida limits of insurance required by the Department of Transportation (DOT)?

Weight Class of Truck
Florida DOT Requirement
44,000lbs or more
35,000lbs to under 45,000lbs
Greater than 26,000 but less than 35,000lbs
Vehicles less than 26,000lbs
Florida State Minimum

Please be aware that the specified limits apply solely to intrastate hauling. If your operations extend across state lines, it is mandatory to maintain trucking liability insurance coverage of $750,000.

Florida commercial truck insurance filings

At NITIC, we go beyond insurance coverage by offering a comprehensive suite of services to support your success as a carrier. Trust us to navigate the complexities of insurance filings, allowing you to focus on what you do best—moving your business forward. Contact NITIC today for personalized assistance with ICC, MCS90, Form E, SR22, and Form H filings after obtaining authority.

Florida truck insurance FAQs

Below are some of the most common questions we receive at NITIC in regards to Florida commercial truck insurance. If you do not see your question answered, please contact us directly and we would be happy to help!

How much does commercial truck insurance cost in Florida?

The average cost of commercial truck insurance in Florida can vary widely depending on various factors, including the type of coverage, the type of commercial truck, the commodities being transported, the driving history of the operators, and the specific insurance needs of the business. On average, commercial truck insurance costs in Florida is around $12,000 per year, but can range from $8,000 to $15,000 per truck per year depending on factors mentioned above.

It’s important to note that this is a rough estimate, and individual quotes may differ based on the unique characteristics of each business. To obtain an accurate and personalized quote, contact NITIC today. Our team will take you through a few steps to ensure you receive the best commercial insurance quote for your Florida trucking business. 

How can you save on your Florida commercial truck insurance quote?

Safety Programs: Implement safety programs within your trucking business to reduce the risk of accidents. Florida insurance companies often provide discounts for businesses with strong safety records.

Driver Training: Ensure that your drivers undergo regular training programs to enhance their skills and safety awareness. Well-trained Florida drivers may be eligible for lower insurance premiums.

Maintain a Good Driving Record: A clean driving record for both your business and individual drivers can contribute to lower insurance costs. Avoid accidents and traffic violations to maintain a favorable insurance profile.

Choose Higher Deductibles: Opting for higher deductibles can lower your premium costs. However, it’s crucial to assess the financial impact of higher deductibles on your business in the event of a claim.

Safety Features: Equip your Florida commercial trucks with safety features such as GPS tracking, anti-theft devices, and collision avoidance systems. Florida insurance companies often provide discounts for vehicles with advanced safety technology.

Fleet Management: Implement effective fleet management practices, including regular maintenance, inspections, and proper record-keeping. A well-maintained fleet can lead to lower insurance costs.

Review Coverage Needs: Regularly assess your coverage needs and adjust them based on changes in your business operations. Avoid over-insuring or under-insuring your trucks.

Bundle Policies: Consider bundling different insurance policies with NITIC. This may lead to discounts on overall insurance costs.

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


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