Commercial Truck Insurance Miami & Expert Commercial Auto Insurance Quotes

Call 833-865-3380 today to start saving money on your commercial vehicle insurance! We provide the absolute lowest quotes in Miami, Florida, with low down payments and easy monthly installments. To submit a request 24 hours a day for Commercial Truck Insurance Miami or Commercial Auto Insurance Miami low cost quotes use our Miami Commercial Truck Insurance Quote Form.

Why Choose Colucci Insurance for Truck Insurance Miami?

For over 35 years, Colucci Insurance has been the premier independent agency providing affordable Truck Insurance Miami businesses trust. We understand that lowering your insurance cost is your top priority, and here is how we make it happen:

Independent Agency Advantage: As an independent agency, we work for you—not one single company. We shop multiple top-tier, low-cost markets to find the most competitive rate, ensuring you receive the Low Cost Commercial Truck Insurance Miami deserves.
Our Carriers: We represent the best commercial truck insurance companies, including Canal, Northland, IAT/Occidental, Nirvana, Great American, Progressive, Arch, Trisura, Geico, and more.
Experienced & Trusted: We are a family-owned, Florida-operated agency and proud members of the Florida Association of Insurance Agents (FAIA). We hold an A rating with the Better Business Bureau (BBB), ensuring you are dealing with a trustworthy, local partner.

Comprehensive Commercial Auto Insurance Miami Coverages

We offer the very best in Commercial Auto Insurance Miami coverage for a wide variety of business vehicles, ensuring every type of operation is protected:

Trucking Operations: Includes specialized Box Truck Insurance Miami policies for Box, Dump, Delivery, and all heavy commercial trucks.
Vans: Cargo, Delivery, and Step Vans.
Contractors: Commercial Pickups and Construction Vehicles.
Artisan Contractors: Specialized Miami commercial auto insurance quotes for plumbers, HVAC technicians, janitorial services, landscapers, food trucks, and more.
General Liability Insurance: We offer comprehensive general liability for artisan contractors.

Specialized Coverages for Trucking Operations

Trucking operations often require policies that go beyond standard coverage. We offer quotes on essential coverages that many standard agencies cannot provide:

Hot Shot Insurance Miami

Hot Shot Insurance Miami is designed for expedited delivery, typically involving Class 3 vehicles (pickups or vans) hauling general freight or construction equipment. While many carriers have pulled back on this niche, we have companies accepting new Hot Shot Insurance Miami Florida business.

Cargo Insurance Miami

If you are shipping products for hire by truck, you need robust Cargo Insurance Miami. We offer low-cost Motor Truck Cargo (MTC) insurance, including the necessary Federal Filings for interstate transport.

UIIA Commercial Truck Insurance Miami (Intermodal Containers)

Operating intermodal containers in and around Miami ports requires compliance with the Uniform Intermodal Interchange & Facilities Access Agreement (UIIA). We represent carriers that provide the mandatory CA 23-17 UIIA endorsement to ensure your operation is fully covered.

Florida Commercial Truck & Auto Insurance Requirements

It is vital to stay compliant with state and federal laws. “We stay up to date with industry standards set by organizations like the Florida Trucking Association“.

Below are the mandatory insurance requirements for commercial trucks and autos in Florida. Most commercial vehicles such as semi, box and dump trucks in Miami fall under these auto insurance requirements.

Source: Colucci Insurance – Commercial Truck Insurance Florida

Florida mandates commercial insurance limits based on the Gross Vehicle Weight (GVW) of your vehicle (FLHSMV.) If you cross state lines, you must meet the stricter Federal Motor Carrier Safety Administration (FMSCA) requirements.

Vehicle GVW	Florida Minimum CSL Requirement	Federal (Interstate) Minimum
Less than 26,000 lbs.	$30,000 CSL (Combined Single Limit)	$750,000 CSL
26,000 to 35,000 lbs.	$50,000 CSL	$750,000 CSL
35,000 to 44,000 lbs.	$100,000 CSL	$750,000 CSL
Over 44,000 lbs.	$300,000 CSL	$750,000 CSL

Note: Hazardous materials haulers and passenger carriers may have higher limit requirements.

Tips for Lowering Your Florida Commercial Truck Insurance Costs

Looking to lower your premiums? Here are the most effective ways to reduce your Commercial Truck Insurance Florida costs:

Shop Around (Use an Independent Agent): The #1 way to save is by letting us shop multiple companies for you.
Monitor Your CAB Scores: A significant portion of your rate is based on your CAB scores. Keep your maintenance records current and be highly selective about who you lease your authority to.
Install a Dash Cam: Many carriers now offer discounts or even require dash cams, as they significantly reduce the chance of frivolous claims against you.
Regular Vehicle Maintenance: Well-maintained vehicles signal lower risk to insurance companies, often leading to better rates.

Commercial Truck Insurance Florida: Common Questions

How Much Does Commercial Truck Insurance Cost in Florida?

The average cost for commercial truck insurance in Florida varies significantly based on your driving history, cargo, and radius.

Semi Trucks: Owner-operators typically pay between $12,000 and $16,000 per year for primary liability and physical damage.
Box Trucks: Policies generally range from $5,000 to $9,000 per year.
Commercial Auto: Lighter vehicles like cargo vans usually cost between $2,500 and $4,500 per year. We recommend getting a customized quote to see exactly where you fit within these ranges.

What are the minimum insurance requirments for Florida Truckers?

For truckers operating strictly within Florida (Intrastate), the requirements depend on the weight of your vehicle and what you haul:

Gross Vehicle Weight (GVW) over 26,000 lbs: You typically need up to $300,000 in Combined Single Limit (CSL) liability for intrastate transport.
Interstate Travel: If you cross state lines, the FMCSA requires a minimum of $750,000 for general freight, though most brokers will require $1,000,000 to load your truck.

Get Your Low Cost Commercial Truck Insurance Miami Quote Today!

Getting your quote for Commercial Truck Insurance Miami is fast and easy. All transactions can be completed entirely over the phone or email.

Call 833-865-3380 for your Miami commercial auto insurance quote.
Email your request to info@colucci-insurance.com

Beyond Miami

While we specialize in Commercial Truck & auto Insurance in Miami, we proudly offer our low-cost quotes throughout Florida and across the Southeast and Midwest:

Florida Cities	Neighboring States
Tampa, Wesley Chapel, St Petersburg, Brandon, Central Florida, Lakeland	Georgia (GA), Alabama (AL), Tennessee (TN), Arkansas (AR), Kansas (KS)
Orlando, Fort Myers, Cape Coral, Sarasota, South Florida, Fort Lauderdale	Texas (TX), Missouri (MO), Iowa (IA), Michigan (MI), Indiana (IN), Ohio (OH)
Clearwater, North Florida, Jacksonville, Gainesville, Ocala, Pensacola, Panama City, Tallahassee	South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA)