Illinois Commercial Truck Insurance
Whether you have one truck or keep multiple commercial fleets, NITIC offers custom commercial truck insurance coverage for all. We have over 3 decades of experience delivering tailored trucking insurance solutions to our clients, an A+ rating with the BBB, and hundreds of 5-star Google reviews.
Average Annual Cost in Illinois
$11,200 – $14,200
Average annual commercial truck insurance cost in Illinois for drivers with a clean driving record.
Illinois Truckers Put Their Trust in NITIC for All Their Commercial Truck Insurance Needs!
Commercial truck insurance is always necessary for any trucking company, regardless of how long it has been in business or how new it is. In addition to being legally required, this insurance provides good financial support in the event of property damage, or bodily injury. To get the finest coverage plan, you must first identify your company's needs.
What do we offer Illinois commercial truck owner-operators?
At NITIC, we strive to make comparing commercial truck insurance rates straightforward and useful. Whether you are a private carrier, owner-operator, or commercial motor carrier, we offer insurance coverage for all business types. We make sure you get the greatest protection at a cost you can afford when you engage with us for your truck insurance.
Talk to one of our Illinois truck insurance agents! Our professionals will help you satisfy all of your insurance obligations, including renewals.
Searching for commercial truck insurance in Illinois? We have your city covered!
We provide coverage for all Illinois cities, including the following when it comes to commercial truck insurance:
Customers in these Illinois 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 Illinois
Every state in the United States mandates that truck owners and operators get third-party liability insurance to protect them from accidents that can cause both property damage and bodily harm. You need enough commercial truck insurance to safeguard your Illinois trucking business against unforeseen occurrences like accidents, vandalism, natural disasters, and others.
Through NITIC, you will get the following coverages that will help you run your trucking company successfully and offer first-rate financial support in Illinois:
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 Illinois?
When it comes to the sorts of trucks to insure for your company, we in Illinois 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 Illinois?
Any person or business entity that uses commercial vehicles for making money in Illinois needs to add a layer of protection to their company in the form of truck insurance. No matter if the truck you are using is under a lease, owned, rented, or personal. You need to take adequate commercial truck insurance for the safety of your business, people, drivers, and operations. Commercial trucks are comparatively exposed to a great risk than other vehicles as they are mostly on the road. To ensure your business security, you need to get the following coverages:
- Comprehensive/collision Coverage
- General Liability
- Non-Trucking Liability
- Motor Truck Cargo Insurance
- On-hook towing
- Uninsured/Underinsured Motorist
- Trailer Interchange Insurance
- Hazmat Insurance
- Primary Liability Coverage
- Rental Reimbursement Insurance
- Physical damage
Illinois Truck Commercial Truck Insurance Cost
While each driver's situation is unique, the average commercial truck insurance premium in Illinois for drivers with a clean driving record is between $11,200 – $14,200 per year, depending on the type of truck they are looking to insure. In Illinois, we see a range of premiums from $11,200 – $14,200 per year.
To find out how much you can expect to pay for your commercial truck insurance in Illinois, contact our team today for a quick and easy quote.
Example Illinois Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Illinois insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
| Limit of Liability | $300,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|
| Dump Truck | $11,200 | $12,200 | $13,200 | $14,200 |
| Box Truck | $11,200 | $12,200 | $13,200 | $14,200 |
| Tow Truck | $11,200 | $12,200 | $13,200 | $14,200 |
| Tractor Trailer | $11,200 | $12,200 | $13,200 | $14,200 |
The final premium cost is affected by a number of factors, including,
- Type of cargo you are transporting
- Your previous insurance claims
- Length of time you have been in operation
- Amount of risk because risk varies from business to business
- Truck model and weight
- Type of coverage you choose
Minimum commercial truck insurance requirements in Illinois
As with most states, Illinois has its own set of commercial vehicle insurance requirements that commercial truckers must follow. In Illinois, commercial trucks must carry the following:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $20,000 property damage
- $25,000/$50,000 uninsured motorist coverage
Bobtail and Non-Trucking Liability Insurance in Illinois
Bobtail Insurance in Illinois
Bobtail insurance is a specialized form of coverage tailored for Illinois owner-operators who drive their commercial trucks without a trailer, often referred to as "bobtailing." This insurance provides protection during the times when you're off-duty or not hauling a load for your motor carrier. It becomes particularly relevant when you're driving the truck for personal use or for purposes unrelated to your contracted carrier in Illinois or out of state. The essence of bobtail insurance lies in filling the gaps left by primary liability coverage. While your motor carrier's insurance typically covers you when you're on duty, bobtail insurance steps in to protect you during off-duty hours or when the truck is not in active service for your carrier. It serves as a safety net, ensuring that you have coverage even during those non-operational periods, offering peace of mind for owner-operators.
Non-Trucking Liability Insurance in Illinois
Non-Trucking Liability insurance is another crucial element in the insurance portfolio for owner-operators in Illinois. This coverage addresses situations when you're using your commercial truck for non-business, personal purposes. It kicks in when you're off the clock and not engaged in any work-related activities for your motor carrier. In essence, non-trucking liability insurance provides protection during your personal use of the truck, covering bodily injury and property damage liabilities. It's designed to bridge the gap between the coverage provided by your motor carrier and your personal insurance when you're not actively working. Whether you're running personal errands or simply enjoying time off, non-trucking liability ensures that you have the necessary protection in place. Understanding the nuances of both bobtail insurance and non-trucking liability is essential for owner-operators, as it ensures comprehensive coverage for various aspects of their trucking journey. These specialized insurance options contribute to a well-rounded risk management strategy, providing financial protection and peace of mind, both on and off the road.
Illinois Truck Insurance Filings
Securing authority to operate as a carrier in Illinois is a significant milestone, but ensuring compliance with necessary insurance filings is equally critical. The National Independent Truckers Insurance Company (NITIC) stands as a valuable partner to assist you with essential insurance filings once you've been granted authority by the FMCSA.
At NITIC, we go beyond insurance coverage for Illinois truckers by offering a comprehensive suite of insurance 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, Form H, Form T, SR22 and form SR22A after obtaining authority.
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