North Carolina Commercial Truck Insurance

Searching for commercial truck insurance in North Carolina? With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted source commercial truck insurance quotes. NITIC is dedicated to providing companies, truckers, and owner-operators with the finest and most economical commercial truck insurance in North Carolina. We have been offering our clients a vast array of insurance products for more than 20 years at very reasonable rates. Our customer support is second to none.

NITIC Leads the Way in Commercial Truck Insurance in North Carolina for Over 20 Years!

Contact NITIC today for a competitive insurance quote for ANY type of commercial truck

As seasoned insurance professionals with years of expertise in the trucking industry, NITIC understand the unique challenges faced by commercial truck owners in North Carolina. 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 and leaders in the commercial truck insurance industry. 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.


Commercial Truck Insurance for North Carolina Truckers is Our Specialty

We at NITIC strive to make comparing commercial vehicle insurance rates easier and more convenient. We tailor the coverage to match your unique needs because we are aware of all the risks associated with the trucking sector. Any claim requests will be handled quickly (within a few hours). So get your customized, free quote from a leading American insurance company today.

The NITIC team of commercial car insurance experts may be able to help you with the procedure and provide you with timely, reasonable coverage.

Get insurance coverage no matter where you are in North Carolina

We provide coverage for all North Carolina cities, including the following when it comes to commercial truck insurance:

Customers in these NC cities can choose from a variety of discounts. For the best protection for your business, just give us a call.

Commercial Truck Insurance Coverages in North Carolina

Every state has minimum coverage standards; for instance, every owner-operator of a truck is obliged to have third-party insurance to safeguard against accidents causing property damage and injuries to people. You need sufficient commercial truck insurance to safeguard your trucking business in North Carolina from any unanticipated occurrences including accidents, vandalism, natural disasters, theft, and more.

You may obtain the following coverages through NITIC, which will aid you in managing your trucking business successfully and provide first-rate financial support in NC:

Get in touch with us to learn more about any of the aforementioned coverages, and we’ll let you know how much it will cost to have it tailored to your company.

What types of trucks do we offer coverage in North Carolina?

When it comes to the sorts of trucks to insure for your company, we in North Carolina have the requisite experience. The many truck types for which we offer coverage are listed below:

Need a free consultation? Give us a call. We will be right back to you.

Why do you require Commercial Truck Insurance in North Carolina?

Any North Carolina trucking business that utilizes a truck for work-related activities must have the necessary insurance. Although HNOA insures personal, leased, automobiles used by your business, commercial truck insurance only insures the vehicles controlled by your company.

No matter if you own a fleet of corporate trucks, a food truck, or any other type of truck you use only for business, all of your trucks need to be protected by a commercial truck plan.

Without commercial vehicle insurance protection, your company may face legal and financial risks. In addition, not having motor insurance might result in serious consequences. Having adequate truck insurance provides a lot of benefits in North Carolina, such as the following:

How does North Carolina's commercial truck insurance operate?

All trucks in the NC are required to carry a minimum of $900 in primary liability insurance coverage, whether they are being utilized for personal or professional purposes. The typical cost of commercial truck insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:

These price projections are based on drivers that operate one truck and require liability, type of cargo, and physical damage insurance. The cost is affected by a number of factors, including the type of cargo you are transporting, your previous insurance claims, and the length of time you have been in operation.

How Much Does Commercial Truck Insurance Cost in North Carolina?

The cost of commercial truck insurance in North Carolina will vary based on many factors, but you can expect a yearly insurance premium in the range of $8,000 to $11,200, depending on the type of truck, the limit of liability, driving history, and many other factors.

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

Example North Carolina Commercial Truck Insurance Cost Estimate

Limit of Liability
Dump Truck
Box Truck
Tow Truck
Tractor Trailer

North Carolina commercial truck insurance requirements

In accordance with North Carolina law, local truck drivers and new ventures must adhere to specific liability insurance requirements. The amount needed is dictated by the nature of the freight carried and its transportation destinations. If your truck’s operations are solely within the state and its Gross Vehicle Weight (GVW) exceeds 10,000 pounds, obtaining an intrastate-only USDOT Number is necessary. You must ensure insurance coverage up to the following levels:



Type of Insurance
North Carolina DOT Requirement
Liability Insurance (Oil Transport)
Liability Insurance (Hazmat)
Liability Insurance (Household Goods)
Liability Insurance (General Freight)

North Carolina commercial truck insurance filings

At NITIC we can help with your commercial truck insurance filings once you file for authority. We can help with the following filings:

  • ICC
  • MCS90
  • Form E
  • Form H

Potential commercial truck insurance savings opportunities for North Carolina truck operators

Safety Programs: Introduce safety programs within your trucking business to mitigate the risk of accidents. North Carolina 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 North Carolina 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 North Carolina commercial trucks with safety features like GPS tracking, anti-theft devices, and collision avoidance systems. Insurers in North Carolina 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 North Carolina, 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.


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