Georgia Commercial Truck Insurance Quotes
Interstate trucking companies in Georgia need at least $750,000 in liability coverage under FMCSA rules. Most brokers want $1,000,000, plus $100,000 in motor truck cargo. Georgia-only carriers file with the state instead. We’re an independent trucking agency based in Cumming, we quote 15+ A-rated carriers, and most Georgia quotes go out the same business day. Call 855-281-2924 or start your quote online.
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Georgia truck insurance at a glance
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Get a Georgia Truck Insurance Quote in One Call
We’re not a national call center. Trucking Insurance Services is an independent agency based in Cumming, Georgia, and trucking is all we do: FMCSA filings, motor truck cargo, physical damage, and the state paperwork that comes with running trucks in Georgia. We insure hundreds of Georgia owner-operators and fleets, from single-truck new authorities to mixed fleets running out of metro Atlanta.
To quote you accurately, have these five things ready:
- USDOT and MC number (or tell us you’re a new authority; we handle MC number activation filings daily)
- VIN, year, and value for each truck and trailer
- Driver list with CDL info (2 years of history helps your rate)
- What you haul and your radius: Georgia-only, Southeast regional, or 48-state
- Current declarations page if you’re switching from another policy
How Much Does Truck Insurance Cost in Georgia?
For a Georgia owner-operator with their own authority, commercial truck insurance typically runs $12,000–$19,000 per year for liability, cargo, and physical damage combined. New authorities pay more in year one; rates drop meaningfully after two years of clean operation. Here’s what we’re seeing across the Georgia policies we write:
| Operation | Typical monthly premium | Biggest rate factor |
|---|---|---|
| Owner-operator, new authority | $1,500–$2,200 | No authority history yet |
| Owner-operator, 2+ years | $1,100–$1,600 | Loss history, radius |
| Dump truck (metro Atlanta, intrastate) | $1,000–$2,500 | Radius, Atlanta exposure, experience |
| Hotshot (CDL & non-CDL) | $1,000–$1,600 | Cargo type, interstate radius |
| Box truck (26′, local/regional) | $1,100–$1,600 | Contract requirements (Amazon, etc.) |
| Log truck (South Georgia) | $1,500–$2,500 | Limited carrier market for logging |
Ranges reflect policies written by our agency for Georgia-based operations, updated June 2026. Your rate depends on driving records, equipment values, commodity, radius, financial history, and more.
Want the full breakdown of what drives these numbers? See our guide to cargo insurance costs. Then get an actual quote, because published averages never match a real MVR and a real truck.
Georgia Truck Insurance Requirements
What you’re required to carry depends on one question: do you cross state lines?
Interstate carriers (FMCSA requirements)
If you run interstate freight, federal minimums apply and your insurer must file proof of coverage (the BMC-91 filing) directly with the FMCSA. The minimums by operation:
| Operation | Federal minimum | What brokers actually require |
|---|---|---|
| General freight (vehicles 10,001+ lbs) | $750,000 | $1,000,000 |
| Non-hazardous freight, vehicles under 10,001 lbs | $300,000 | $1,000,000 (most hotshot contracts) |
| Oil transport | $1,000,000 | $1,000,000 |
| Hazardous materials | $5,000,000 | $5,000,000 |
| Motor truck cargo | Not federally required | $100,000 (standard broker requirement) |
New trucking company? Our FMCSA insurance requirements guide walks through every filing, and we submit BMC-91 and BOC-3 paperwork the same day your policy binds.
Intrastate carriers (Georgia-only operations)
If your trucks never leave Georgia (common for dump trucks, log trucks, and local construction haulers), you don’t need federal operating authority. Instead, you register with the Georgia Department of Public Safety Motor Carrier Compliance Division, and your insurer files proof of liability coverage with the state. Intrastate liability minimums are lower than federal ones, but contractors and brokers in metro Atlanta routinely require $1,000,000 anyway, so most of our intrastate clients carry it. We handle the Georgia state filing as part of binding your policy, at no extra charge.
Insurance for How Georgia Actually Trucks
Georgia isn’t a generic trucking state, so we don’t write generic Georgia policies. Four freight economies dominate here, and each one brings its own insurance problem:
Port of Savannah container work
Savannah is the third-busiest container port in the country, and drayage carriers pulling from Garden City Terminal need intermodal insurance with UIIA-compliant endorsements before the equipment providers will interchange with you. We maintain an exclusive intermodal program and handle UIIA insurance requirements: trailer interchange, non-owned trailer, and the endorsement filings the UIIA checks for. Not to mention, we offer Progressive’s UIIA insurance coverage for Georgia intermodal haulers.
Metro Atlanta freight and construction
Atlanta is the Southeast’s distribution hub. I-75, I-85, I-20, and I-285 carry some of the densest truck traffic in America, and dense traffic means nuclear-verdict territory. Liability limits matter more here than almost anywhere in the Southeast. The metro construction boom also keeps dump trucks and box trucks working year-round; both have carrier markets that price Georgia metro radius work specifically.
South Georgia timber
Georgia is the #1 forestry state in the nation, and log truck insurance is its own market. Many standard carriers won’t touch logging, and the ones that do favor experienced operations. If you’re hauling timber out of the Wiregrass or anywhere south of Macon, work with an agency that already knows which carriers want that business.
Poultry, produce, and reefer freight
Georgia leads the country in poultry, and Gainesville’s processing corridor generates constant temperature-controlled loads. Reefer operations need cargo coverage that actually responds to spoilage and reefer breakdown. An exclusion buried in a cheap cargo form can cost you a $40,000 chicken load. We read the forms so you don’t find out at claim time.
Which Carriers Compete for Georgia Truckers?
As an independent agency we quote every fit, but these are the carriers winning Georgia business right now, and where each one fits. (Full reviews on our carriers page.)
| Carrier | Strong fit in Georgia for |
|---|---|
| Progressive | Mixed fleets, box trucks, and cargo vans; the broadest appetite in the state |
| Crum & Forster | Experienced operations wanting premium claims handling and strong cargo forms |
| Canal | Owner-operators who want mileage-based pricing, UIIA options |
| GEICO | Owner-operators and dump trucks where available, often priced well |
| Nirvana | Safety-focused fleets with ELD data; telematics credits applied up front |
| Cover Whale | New authorities and hard-to-place Georgia risks |
| Berkshire Hathaway | Established specialty fleets prioritizing financial strength and stability |
Access to these carriers only helps if the policy is built for how you actually run, and that is where the trucking insurance agency you pick makes the difference.
Trucking Insurance Across Georgia
We write trucking insurance statewide, from our home base in Cumming and throughout Atlanta, where most of our Georgia clients run. That includes Savannah port drayage operations, log and ag haulers around Macon, Augusta, Columbus, Valdosta, and Albany, and regional carriers in Athens, Kennesaw, Sandy Springs, and everywhere between. If your truck is tagged in Georgia, we can quote it. And if you’re near our Cumming office off GA-400, stop in and shake hands with the agent who answers when you call.
Georgia Truck Insurance FAQs
How much is commercial truck insurance in Georgia?
Most Georgia owner-operators with their own authority pay $12,000–$19,000 per year for liability, cargo, and physical damage combined. New authorities start higher ($16,000–$25,000) and drop after two to three clean years. Local intrastate operations like dump trucks typically run less.
What insurance is required for intrastate trucking in Georgia?
Georgia-only carriers register with the Georgia Department of Public Safety’s Motor Carrier Compliance Division rather than the FMCSA, and must carry state-mandated liability limits with an insurer filing as proof. Most contractors and brokers require $1,000,000 regardless of the state minimum. We submit the Georgia filing when we bind your policy.
Do I need a federal filing or a Georgia state filing?
Cross state lines and you need federal: your insurer files a BMC-91 with the FMCSA proving you meet the $750,000 minimum. Stay inside Georgia and you need the state equivalent filed with Georgia DPS. Running interstate authority but only booking Georgia loads still requires the federal filing.
New to interstate authority? Our full walkthrough on how to get your MC and DOT numbers covers the FMCSA side and the Georgia intrastate side, start to finish.
How fast can I get a quote and a certificate of insurance?
Quotes usually go out the same business day if you have your DOT number, VINs, and driver info ready. Once bound, certificates of insurance are issued same-day through our certificate request page, including the additional-insured certs brokers ask for.
What insurance do I need to haul containers from the Port of Savannah?
Drayage carriers must meet UIIA requirements before equipment providers will interchange chassis and containers: $1,000,000 auto liability, trailer interchange coverage, and specific UIIA endorsements filed with the IANA. Our intermodal program is built for exactly this.
Does Georgia require cargo insurance?
No state or federal rule requires cargo coverage for general freight, but virtually every broker and shipper does; $100,000 is the standard. Without it you won’t get loads, so treat motor truck cargo as mandatory. See our cargo insurance cost guide for what it runs.
Can I get non-CDL hotshot or box truck insurance in Georgia?
Yes. Trucks under 26,001 lbs GVWR don’t require a CDL, and several of our carriers write non-CDL hotshot and box truck operations in Georgia, including new ventures hauling for Amazon Relay and load boards.
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Ready to Quote?
Talk to a licensed Georgia agent who quotes trucking risks every day, not a call center reading a script. Call 855-281-2924 or start your Georgia truck insurance quote online. Same-day quotes, same-day filings, same-day certificates. |
Written by Will Kremer, licensed Georgia property & casualty agent at Trucking Insurance Services LLC. Reviewed June 2026. Sources: FMCSA (49 CFR 387), Georgia Department of Public Safety, UIIA.
Trucking Insurance Services — 380 Dahlonega St, Cumming, GA 30040 — 855-281-2924