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Trucking insurance quotes

Get free commercial trucking insurance quotes through the Tivly marketplace, and make sure your certificate meets what brokers require before your truck needs it.

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Our insurance partner is Tivly, a commercial insurance marketplace that connects trucking businesses with insurers. Enter your ZIP code to start, or call Tivly directly.

Tivly is an independent marketplace. Quotes and policies come from insurance providers, not from TQS. TQS is not an insurance agency.

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What brokers usually ask for.

Requirements vary by broker and freight. Many ask for $1,000,000 in auto liability and $100,000 in cargo coverage. Your agent should confirm what fits your operation.
Primary auto liability
Covers damage and injury you cause to others while operating. Federally required for interstate carriers and filed with FMCSA by your insurer.
Motor truck cargo
Covers the freight you're hauling. Check limits and exclusions, especially for reefer breakdown and high-value loads.
Physical damage
Covers your own truck and trailer for collision, theft and other damage. Lenders usually require it.
General liability
Covers claims that don't involve driving, like an incident at a shipper's dock. Many shippers and brokers ask for it.
Trailer interchange
Covers a trailer you don't own while it's in your care. Often required for power-only work.
Reefer breakdown
Covers spoiled cargo when refrigeration equipment fails. Not always included in standard cargo policies.

Why two trucks pay different rates.

Insurers price commercial trucking on risk. These are the factors that usually move a quote the most.

  1. Authority age

    New authorities usually pay the most. Premiums often ease after a year or two of clean operating history.

  2. Driver record

    CDL experience, age, violations and accidents on the motor vehicle record of every driver you list.

  3. Safety scores

    Your public FMCSA inspection and crash history. Out-of-service violations hurt.

  4. Where and how far you run

    Radius, the states you operate in and where the truck is garaged.

  5. What you haul

    Cargo type and value. Reefer, high-value and hazmat freight carry higher cargo premiums.

  6. Equipment and claims

    The value and age of your truck and trailer, and any claims history.

What to ask about for your rig.

The basics apply to every truck. These are the gaps carriers most often discover too late.
Box truck
Cargo limits for high-value retail and electronics, liftgate-related damage, and coverage for residential deliveries.
Hotshot
That the policy lists your pickup and your gooseneck trailer, and that cargo coverage fits machinery and oilfield freight.
Power only
Trailer interchange coverage for trailers you don't own. Many power-only programs require it.
Reefer
Reefer breakdown coverage for spoiled loads, since it isn't always included in standard cargo policies.
Flatbed / step deck
Cargo coverage that matches the freight value, and any exclusions tied to securement or tarping.

Your insurance checklist.

  • Shop early. FMCSA needs your insurer's filing before your authority goes active.
  • Confirm the federal filing. Check that your insurer's proof of liability coverage shows on your record.
  • Match broker limits, not just the federal minimum.
  • Read the cargo exclusions. Unattended vehicle, theft and reefer breakdown exclusions decide whether a claim gets paid.
  • Keep your certificate ready. Brokers will ask to be added as certificate holders.

Your certificate, handled.

  • We send your certificate of insurance with every broker setup.
  • We flag loads and brokers that need higher limits or additional coverage before you're booked.
  • We tell you when a broker asks to be added as a certificate holder, so your agent can update it fast.

Talk to us before you book your next load.

Tell us your truck, your lanes and how you like to run. We'll tell you straight whether we're the right dispatch office for you.

Discuss your operation See how it works
Or call the dispatch line(929) 717-5625