Florida Commercial Truck Insurance

Customizable coverage options for your commercial trucks

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Florida commercial truck coverage and filings

With more than 50 years of experience, you can trust Progressive with your commercial truck insurance in Florida. In that time, we've earned a reputation from customers and industry experts for being a reliable choice. We're the #1 truck insurer in America^Δ and have an A+ rating from A.M. Best.

Whether you're looking for  owner operator insurance or   private carrier insurance, Progressive Commercial specializes in providing coverage for trucks and trailers of all sizes in Florida.

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#1 in America^Δ

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Truckers count on Progressive Commercial to insure their vehicles.
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Florida commercial truck insurance requirements

Florida law follows Federal Motor Carrier Safety Administration (FMCSA) liability insurance requirements for all interstate truckers. However, trucks that stay within Florida have lower primary liability insurance minimums than trucks that cross state lines.

For intrastate truckers, the minimum bodily injury and physical damage liability coverage required by the state ranges from $50,000 per occurrence for trucks under 26,000 pounds to $300,000 for trucks over 44,000 pounds.

Whether you haul within Florida or use it as a home base for nationwide deliveries, Progressive Commercial can help you navigate state and federal laws to get the coverage you need. Start a quote and get your Florida trucking operation protected today.

Florida truck insurance filings

Progressive Commercial will take care of your Florida state and federal insurance filings. Once you file for authority, we'll do the rest, including:

ICC
MCS90
Form E
Form H
SR22

Types of trucks we insure

We offer customized commercial truck insurance for a wide range of trucks, including:

No matter what size of truck you drive, from a semi tractor to a heavy flatbed, we offer coverage to safeguard your operations and meet your liability needs.

FL truck insurance coverages

With Progressive Commercial, Florida truckers can find the most common truck insurance coverages they need for protection on the road, including:

You can also get additional options that can bring peace of mind to your next haul:

We offer tailored policies for hotshot trucking insurance, semi truck coverage, and even ice cream truck insurance. Contact us today, and we'll help customize a Florida truck insurance policy just for you.

How much does Florida commercial truck insurance cost?

The cost of trucking insurance in Florida depends on a variety of factors, from the type of truck you drive to the cargo you haul. In 2024, the national average monthly cost for new commercial truck insurance with Progressive Commercial ranges from $746 to $954, depending on whether you're a specialty or transport trucker.^‡‡

The following will be considered when calculating your premium:

U.S. Department of Transportation (USDOT) Authority

Whether you operate independently or are leased to another company will influence the cost of insurance. Generally, leasing is less expensive than operating under your own USDOT authority.

Coverage limits

Most truckers are legally and contractually required to have minimum liability coverage. If you transport home goods, you'll pay less than a trucker who hauls hazardous materials. The more protection you need, the higher your premium will be.

Type of cargo

Riskier cargo like heavy equipment and chemicals will need more liability protection in case of accidents, injuries, or spills. Many carriers opt for motor truck cargo insurance to ensure that the goods they haul are covered in case of damage.

Operating radius

Interstate truckers who travel outside of Florida will need more risk protection and generally pay higher premiums than a delivery driver who needs truck insurance in Miami or Orlando.

Type of truck

We insure all types of trucks, and what you drive plays a role in determining the rate you pay. Keep in mind, federal and state laws generally require higher liability coverage for trucks weighing more than 10,000 pounds.

Driving history

A clean driving record free of accidents and violations can help you secure a lower insurance rate on your Florida truck insurance.

Get a Florida commercial truck insurance quote

Start your free quote for Florida commercial truck insurance with Progressive Commercial. You may be able to take advantage of special benefits and features designed just for our customers.

You can also  call and speak to one of our truck insurance representatives for expert guidance.

Insurance for all cities in Florida

We offer truck insurance in all cities in Florida, such as:

Cape Coral
Clearwater
Coral Springs
Fort Lauderdale
Hialeah
Hollywood
Plantation
Pompano Beach
Port St. Lucie
St. Petersburg
Jacksonville
Miami
Miramar
North Miami
Orlando
Pembroke Pines
Sunrise
Tallahassee
Tampa
West Palm Beach

We also offer truck insurance for the states bordering Florida, including Alabama and Georgia.

Common businesses that need commercial truck insurance in FL

If you operate trucks in the Sunshine State, you likely need Florida commercial trucking insurance to stay protected and comply with the law. We cover the following types of Florida truckers:

General freight haulers
Agriculture haulers
Car haulers
Dirt, sand, and gravel haulers
Expeditors
Log haulers
Household movers
Auto repair shops
Towing services
Roadside assistance

Whether you're transporting goods across the state or making local deliveries in a specialized truck, Progressive Commercial can customize a Florida truck insurance policy to keep your business moving forward.