Commercial Truck Insurance
As an independent insurance agency, we compare commercial truck insurance options for owner-operators, fleets, and new trucking businesses. We help trucking companies in New Jersey, Pennsylvania, North Carolina, and Texas find coverage that fits their operation, contracts, and budget.
- Compare Multiple Truck Insurance Markets
- Fast Quotes
- Certificates & FMCSA Filings
- Owner Operator & Fleet Specialists
Insurance Quotes
We Compare Leading Truck Insurance Markets
Access multiple insurance companies through one independent agency.

Why Trucking Companies Choose Annagard
Multi-State Truck Insurance
Helping trucking businesses in NJ, PA, NC, TX and other states where coverage is available.
Independent
Agency
We compare multiple insurance companies to find competitive rates.
Trucking
Specialists
We focus on owner operators, fleets, and new ventures.
Same-Day Certificates
Fast COIs and policy changes when you need them.
FMCSA Filings
BMC-91X, Form E, and other required filings handled quickly.
Licensed in 48 States
We can help trucking businesses operating throughout most of the United States, subject to carrier availability and licensing requirements.
Serving Truckers Since 2021
Annagard has helped owner-operators, new ventures, and growing fleets navigate commercial truck insurance since 2021.
5-Star Google
Reviews
Trusted by trucking companies throughout New Jersey.
12+ Insurance
Companies
We work with multiple trucking insurance companies and program administrators to compare available coverage and pricing for your operation.
Commercial Truck Insurance Coverages
Finding the right commercial truck insurance starts with understanding the coverages your business needs. Whether you operate locally, regionally, or across state lines, we’ll help you compare coverage options designed for your trucking operation.
Primary Liability Insurance
Primary Liability is the foundation of every commercial trucking policy. It helps cover bodily injury and property damage if you’re responsible for an accident while operating your truck and satisfies federal and state liability requirements for many motor carriers.
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Motor Truck Cargo Insurance
Protect the freight you’re transporting from covered losses such as theft, fire, collision, or overturn. Cargo insurance is often required by freight brokers and shippers before they’ll work with your trucking company.
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Physical Damage Coverage
Physical Damage helps repair or replace your truck after covered events such as collisions, theft, vandalism, fire, hail, or severe weather. Available for financed, leased, and owned trucks.
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Non-Trucking Liability
Designed for leased owner-operators, Non-Trucking Liability provides protection while using your truck for personal, non-business purposes when you’re not under dispatch.
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General Liability Insurance
General Liability helps protect your trucking business from certain third-party claims involving your business operations that aren’t directly related to driving your truck.
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Workers’ Compensation
If your trucking company has employees, Workers’ Compensation helps cover work-related injuries while helping your business comply with state requirements.
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Trailer Interchange Coverage
Trailer Interchange helps protect trailers you don’t own while they’re in your possession under a written interchange agreement.
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Short-Term Truck Insurance
Need temporary truck insurance to move a newly purchased truck or satisfy a short-term requirement? We can help determine whether temporary coverage is available for your operation.
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Our Simple Quote Process
Getting commercial truck insurance doesn’t have to be complicated.
Complete the Quote Form
Tell us about your trucking business and the coverage you’re shopping for.
We Review Your Operation
We’ll discuss your trucks, drivers, operating radius, cargo, and insurance needs.
We Compare Insurance Markets
We’ll shop multiple insurance companies to find coverage options for your operation.
Choose Your Coverage
Select the policy that best fits your trucking business and get on the road.
Frequently Asked Questions
How much does commercial truck insurance cost?
Every trucking operation is different. Pricing depends on factors such as vehicle type, driving radius, cargo, driver experience, claims history, and the coverages you choose.
Can you insure new trucking companies?
Yes. We work with many new venture trucking businesses and can help you explore insurance options as you launch your company.
How quickly can I get a quote?
Many quote requests can be started the same day after we receive your information. More complex operations may require additional underwriting.
Do you insure owner-operators?
Yes. We work with owner-operators operating under their own authority as well as those permanently leased to motor carriers.
Can you help with insurance filings?
Yes. Depending on your policy and carrier, we can assist with required insurance filings and certificates of insurance.
What information do I need for a quote?
Typically, we’ll need your contact information, business details, vehicle information, driver information, and the type of coverage you’re looking for. If you’re not sure what you’ll need, we’ll guide you through the process.
Ready to Compare Commercial Truck Insurance?
Don’t settle for a single insurance quote. Let Annagard Insurance Agency compare multiple trucking insurance markets to help you find coverage that fits your operation.
Get started today with a commercial truck insurance quote.
