Florida Commercial Truck Insurance Quotes

Last reviewed August 2026 by the Trucking Insurance Services team.

Florida is a good state to build a trucking company in. Twenty three million people live here and almost everything they buy arrives on a truck. Add the ports at Jacksonville, Miami and Tampa, a construction economy that has not slowed down, and a growing season that runs when the rest of the country is frozen, and you get freight moving somewhere in this state every month of the year. There is steady work here, and room to grow into it.

Florida truck insurance should be the straightforward part of building that business, and with us it is. We write commercial trucking and nothing else, we put carriers up against each other for your policy instead of handing you one number, and most quotes go out the same day.

Whatever you run, we quote it. Dump trucks, dry van, refrigerated, flatbed, hotshots, box trucks and boat hauling, from the Panhandle down to South Florida.

What you get from us in Florida Your quote: same day in most cases, shopped across multiple carriers, not one. Your cost: real Florida numbers by operation, in the table below. Your filings: the BMC 91X handled on your MC number, so your authority goes active. Your reefer: a straight answer on breakdown coverage in Florida, and a way to get it when the endorsement is not on offer.

Get my Florida quote or call 855-281-2924 A real person answers, and they know trucking.

Starting a new trucking authority in Florida

Florida is a busy state to start in, and busy is good when you are shopping insurance. Several of the carriers we work with write first year authorities on purpose, so a new operation here gets quoted across markets rather than handed a single number to take or leave.

What you plan to haul shapes which of those markets look at you first. A dump truck on local construction work, a reefer running produce north and a boat hauler moving oversize down the coast are three different risks, and they are not underwritten by the same people. Tell us what you are building toward and we will tell you which markets fit before you spend money on authority.

We also walk you through what you are actually looking at before you sign: the limits your brokers will demand, what your down payment does to your monthly, and what changes at your first renewal once you have twelve months of your own record behind you. If you are still working through authority itself, start with how to get your MC and DOT numbers and new venture truck insurance.

New authority in Florida? Let us tell you who will write you before you spend a dollar. Start my quote or call 855-281-2924 and talk it through with an agent.

Why Florida truckers put us to work

Our founder, Eva Clair Bowles, drove a truck before she sold insurance. She owned the tractor and the trailer and ran the loads, and she opened this agency in 2007 to be the agency she wished she had had when she started. That is still how we hire and how we think.

• Carriers compete for you. Florida is a big market and we make the carriers that want it bid against each other.
• We solve the reefer problem. When the breakdown endorsement is not available, we know how to get you covered anyway. More on that below.
• We write the specialty stuff. Boat hauling and oversize work are not everybody’s appetite. They are routine for us.
• Certificates in minutes. A late certificate costs you a load. Ours do not run on a ticket queue.
• Filings are routine here. The BMC 91X goes out as soon as you bind.

Recognized as a Progressive Truck 25 Elite agency (one of the top 25 trucking insurance agencies nationally with Progressive) and a GEICO Premier Truck Partner.

What Florida truck insurance costs

These are the ranges we place in Florida for a single truck. Where you land inside a range depends far more on your driving record, your radius and what you haul than on the truck itself.

Ranges reflect policies we write. Physical damage is priced as a percentage of what your equipment is worth, generally 3% to 12% of the truck and trailer value, and it carries more weight in Florida than in most states because of storm exposure. For what cargo limits cost on their own, see our cargo insurance cost guide.

What influences your Florida rate

Most of what moves your premium is inside your control, and knowing which levers matter is half of shopping it well.

• Driver records and CDL experience. The fastest lever you have, and the first thing an underwriter looks at anywhere in Florida.
• Where the truck is kept. The metro counties price differently from the rest of the state, and storm exposure means your physical damage number moves with your address as well as your equipment.
• DOT safety scores and inspection history. Underwriters see inspections within days now, not months, and brake and tire violations move renewals.
• Time under authority. Year one prices differently from year three. It is temporary, and it opens doors that were shut at the start.
• What you haul. Temperature controlled freight and oversize work carry their own conversations, and both are worth having before you buy equipment.
• Equipment value and deductibles. Physical damage follows the value of the truck, and the deductible you pick is a real lever on the monthly.

What Florida requires you to carry

If you run interstate

You are under FMCSA rules and your insurance company files the BMC 91X against your MC number. That is the filing that turns your authority active, and in Florida it is the only one most operators ever deal with. The federal floor and what your brokers will actually accept are two different numbers, and that gap is what catches new authorities out.

Personal injury protection

Florida is a no fault state, so personal injury protection sits on the policies we write here rather than being something you shop for separately. It is built in, it is not an upsell, and you do not need to do anything about it. If you are moving to Florida from a state that does not work this way, that is the one line on your declarations page that will look unfamiliar. Requirements by vehicle class are set out by the Florida Department of Highway Safety and Motor Vehicles, and we will confirm exactly what applies to your equipment when we quote it.

Whichever way you run, you will also need your IRP plate and IFTA account through the FLHSMV, and a UCR registration if you cross state lines. Tell us how you actually run and we will tell you exactly what your operation needs.

Call 855-281-2924 or start your quote online. We will tell you which filings your operation actually needs.

Built for how Florida actually trucks

Florida runs several freight economies at once. Construction moves aggregate all year, agriculture ships produce north through the winter, the ports feed the interstates, and the coast supports work you will not find in many other states. We write all of it.

• Dump trucks. One of the largest operations in the state, priced on job site exposure and how far you run between sites. See dump truck insurance.
• Over the road and dry van. The backbone, running I 95, I 75 and I 10. See commercial truck insurance.
• Refrigerated. Produce heading north, and the coverage conversation that comes with it. See reefer truck insurance and the section below.
• Flatbed. Building materials and machinery into a construction economy that has not slowed down, where securement drives the cargo conversation.
• Hotshot. Expedited and smaller loads on a one ton and a gooseneck. See hotshot insurance.
• Box trucks. Regional and local delivery work, CDL and non CDL. See box truck insurance.
• Boat hauling. A genuinely Florida operation. High value, often oversize, and underwritten on the value of what is on the trailer rather than the trailer itself. Your motor truck cargo limit is the whole conversation.

Owner-operators leased to a carrier need a different structure, usually non-trucking liability rather than primary. If that is you, start with owner operator insurance. Hauling direct for shippers on your own authority usually means adding general liability.

Reefer breakdown is where an independent agency earns its keep

If you haul temperature controlled freight in Florida, this is the one section on this page worth reading twice.

Start with what most operators find out the hard way. A standard motor truck cargo policy does not pay for a load that spoils because the reefer unit quit. Temperature loss is carved out. What buys it back is a separate piece called the reefer breakdown endorsement, and it is what your shipper is really asking about when they ask whether you have reefer coverage. Our reefer breakdown guide walks through how it works.

Now the Florida part. Heat and humidity are hard on refrigeration units, and not only in the obvious way. Research from University of Florida IFAS Extension notes that hot humid air encourages moisture to build and ice to form on the evaporator coils once the doors are shut, which is exactly how a unit stops holding temperature. Produce makes it harder again: a single load in a forty foot reefer can carry roughly 35,000 pounds of water, and anything loaded warm or wet gives the unit that much more to fight. Florida is where a lot of produce starts its trip, so those conditions are at the origin rather than somewhere down the road.

What that means in practice, from what we run into placing this coverage, is that not every market will add the breakdown endorsement on a Florida risk, and some quote it in a way that is not worth buying. That is where having somebody shopping for you actually matters. When the endorsement is not on offer, we place the cargo coverage as its own policy instead, and you end up properly covered by a different route. As a rough guide, $100,000 in cargo with a $1,000 deductible written that way runs about $2,000 to $3,500 a year in Florida.

If you have been told the coverage is not available, or you are looking at a reefer policy and cannot tell whether breakdown is really in it, send it to us and we will read it with you.

Which carriers compete for Florida truckers?

Florida is a large market and a competitive one, which is what you want when you are shopping. These are markets that write it well. Appetite shifts, so treat this as the shape of the market rather than a promise about your account.

The bottom two rows are the ones worth knowing about. If your operation has come back high everywhere, or been declined outright, that is usually the point at which people give up and buy whatever they can get. It should not be. Florida has markets built for exactly that situation, and getting to them is what an independent agency is for.

Florida truck insurance FAQs

How much is commercial truck insurance in Florida?

For a single truck, most Florida policies we write land between $12,000 and $30,000 a year, which is roughly $1,000 to $2,500 a month. Flatbed sits at the bottom of that and refrigerated and boat hauling at the top. The table above breaks it out by operation, and a quote gives you your real number in about a day.

How much does dump truck insurance cost in Florida?

Most Florida dump truck policies we place run $20,000 to $29,000 a year, or about $1,665 to $2,415 a month, for a single truck. Dump work is one of the biggest operations in the state and it prices at the higher end because the trucks work on job sites, in traffic, on short repetitive runs. How far you go between sites and who is driving move it more than anything else. See dump truck insurance for how the coverage is built.

Why is reefer breakdown coverage harder to get in Florida?

Because the conditions here are tough on refrigeration units. University of Florida research notes that hot humid air drives moisture and icing on the evaporator coils, which is one of the ways a unit stops holding temperature, and Florida is where a great deal of produce is loaded in the first place. In our experience placing this coverage, that means not every market will add the breakdown endorsement on a Florida risk. It does not mean you cannot get covered. When the endorsement is not on offer we place the cargo coverage as a separate policy, generally around $2,000 to $3,500 a year for $100,000 in cargo with a $1,000 deductible.

Do you insure boat hauling in Florida?

Yes, and it is worth going to an agency that writes it regularly. Boat hauling is underwritten on the value of what is on the trailer, so your cargo limit rather than your truck drives the conversation, and oversize permits and route planning come into it too. Expect roughly $15,000 to $30,000 a year for a single truck, and call us for your actual number.

Do I need PIP on a Florida commercial truck policy?

Florida is a no fault state, so personal injury protection is part of how policies are built here rather than something you add on. On the policies we write it is already there, and it is not a separate purchase or a separate premium conversation. What applies depends on your vehicle class, so tell us what you run and we will confirm exactly what sits on your policy before you bind.

I just got my authority in Florida. Will anyone write me?

Yes. Several of the carriers we work with write first year authorities deliberately rather than as an exception, and Florida is busy enough that a new operation gets shopped rather than stuck with one number. What you plan to haul matters more than the fact that you are new. Call us and we will quote it across multiple markets the same day, and file the BMC 91X as soon as you bind.

What is the cheapest way to insure a truck in Florida?

By having it shopped properly rather than by buying the thinnest policy. The same Florida operation can come back thousands of dollars apart between carriers, because each one weighs your commodity, your garaging address and your driver history differently. That spread is the opportunity, and it is the whole argument for using an independent agency instead of buying direct. Let us run yours and find out who wants it most.

Insuring truckers across Florida

We write Florida trucking statewide, from Jacksonville and Tallahassee through Orlando and Tampa, down to Miami, Fort Lauderdale and the Keys. You do not need an agency down the road from you. You need one licensed where you run that does nothing but trucking, and that answers the phone. If you are weighing your options, here is our guide to choosing a trucking insurance agency. For the federal side, see FMCSA insurance requirements and how much insurance you need to activate an MC number.

Florida freight crosses state lines constantly, and we write the neighbors too, so the same agent handles it when your lanes leave the state: Georgia truck insurance and Alabama truck insurance.

Get my Florida quote or call 855-281-2924 Multiple carriers, one call, and your filings handled.

Sources: FMCSA (49 CFR 387), Florida Department of Highway Safety and Motor Vehicles (IRP, IFTA and insurance requirements), Florida Department of Transportation, University of Florida IFAS Extension (perishable transport), Florida Trucking Association, UCR.

Trucking Insurance Services LLC — 380 Dahlonega St #212, Cumming, GA 30040 — 855-281-2924

Figures are estimates based on the policies we place and current market rates, for general guidance only. Your actual premium depends on your record, equipment, radius, and limits. Get a quote for an exact number.