Low Cost Commercial Truck Insurance Orlando | Affordable Commercial Auto in Kissimmee, Daytona, & Central Florida

Low Cost Commercial Truck Insurance Orlando

Your Expert Source for Affordable Commercial Truck Insurance in Orlando

Looking for the absolute best rates on Commercial Truck Insurance in Orlando? Colucci Insurance specializes in finding Low Cost Commercial Truck Insurance Orlando policies policies for all types of commercial auto operations.

As a leading independent agency serving Orlando for over 35 years, we work for you, not the insurance company. We shop multiple markets to guarantee you the lowest premium with a low down payment and flexible monthly installments. We provide specialized coverage for:

  • Long Haul and Short Haul Trucking

  • Box Trucks, Delivery Vans, and Straight Trucks

  • Hot Shot Haulers

  • Cargo and Reefers

  • Auto Haulers and Towing

  • Dump Trucks
  • Commercial Auto

For Quotes Call 833-865-3380 or for to request quotes click here to access our Central Florida & Orlando Commercial Truck Insurance Quote Form.

Commercial Truck Insurance Orlando

Serving Orlando and All Central Florida Trucking Hubs

We proudly offer affordable Commercial Truck Insurance to businesses operating in major trucking corridors and cities throughout Florida and the region, ensuring you get the essential coverage you need without overpaying.

We are dedicated to providing low-cost policies in:

Whether you need a new policy for a semi-truck in Kissimmee or are seeking to lower the cost of your fleet insurance in Orlando, Florida — our independent agents will find the policy that meets all FMCSA and state regulations while respecting your budget.

Call 833-865-3380 to start saving money on your policy today!

Specialized , Affordable Commercial Truck Coverage

Box Truck Insurance Orlando

Box Truck Insurance Orlando & Central Florida

If you operate a straight truck, step van, or any non-articulated Box Truck in the Orlando metropolitan area, we have dedicated markets tailored for your business. We understand the coverage needs for local and intermediate routes and are experts at finding the best rates for Box Truck Insurance in Orlando.

Low Cost Hot Shot Truck Insurance

As the hot shot industry expands, so does the need for specialized insurance that understands the risks of your operation. Our tailored policies are designed for haulers using medium-duty trucks with flatbeds, utility trailers, or gooseneck trailers. Get the reliable, low cost hot shot truck insurance coverage you need to meet DOT regulations and protect your rig, whether you’re based in Sarasota or Bradenton.

Hot Shot Truck Insurance

Essential Cargo Insurance: Protecting Your Load and Income

If you are hauling the products of others on a “for hire basis,” Motor Truck Cargo insurance is essential. We always recommend policies that include “Earned Freight Coverage.”

This crucial protection covers your lost income if a covered peril (like a fire or accident) results in a total cargo loss. Earned Freight Coverage ensures the insurance settlement includes the amount you would have earned had you delivered the load as scheduled.

Comprehensive Cental Florida Commercial Auto Insurance in Kissimmee & Daytona

Finding affordable Commercial Auto Insurance Kissimmee  &  Daytona can be difficult if you are limited to one carrier. Because we are an independent agency, we shop your policy with dozens of top-rated providers—including Progressive, Northland, and Canal—to force them to compete for your business.

We cover all major commercial routes in the region, ensuring your drivers are protected whether they are navigating the congestion of Fruitville Road or hauling heavy loads across the Sunshine Skyway. Our programs are designed to lower your overhead with:

  • Low Down Payments: Get started without draining your operating cash.

  • EZ Monthly Installments: Flexible payment plans that fit your business cash flow.

  • Fast Certificate Issuance: We get your certificates of insurance (COIs) out immediately so you never miss a load.

  • General Liability Insurance offered on artisan contractors and truckers.

Why We Offer the Lowest Commercial Truck Insurance Rates in Orlando

The best way to secure an affordable premium is through competition. As an independent agency, we do the shopping for you, comparing quotes from dozens of top-rated specialized carriers to secure the absolute lowest rates in Central Florida.

Our extensive network forces companies to compete for your business, ensuring you receive the lowest cost Commercial Truck Insurance Orlando has to offer, often with flexible terms:

  • Multiple Carriers Competing for Your Business

  • Low Down Payments

  • Easy Monthly Installments

  • Over 35 Years of Florida Trucking Insurance Experience

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 the Orlando area fall under these 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.

Commercial Auto Insurance

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:

  1. Shop Around (Use an Independent Agent): The #1 way to save is by letting us shop multiple companies for you.
  2. 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.
  3. 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.
  4. 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.

Stop overpaying! Call Colucci Insurance today to start saving money.

Stop overpaying! Call Colucci Insurance today to start saving money.

Call 833-865-3380 Now

Or submit your Low Cost Commercial Truck Insurance Online Quote 24/7 Click Here.

Beyond Central Florida

While we specialize in Commercial Truck Insurance in Central Florida. We also offer our low-cost commercial truck insurance quotes throughout Florida and the Southeast and Midwest:

Cities

Leigh Acres, Pompano Beach, Miami Gardens, Davie, Palm Coast, Boca Raton, Deltona, Plantation, Sunrise

Atlanta, Savannah, Augusta, Columbus, Macon,

Gainesville, Ocala, Sarasota, Bradenton, Cape Coral, Fort Myers

 States
Tampa, Wesley Chapel, St Petersburg, Brandon, Riverview, Central Florida, Lakeland  Georgia (GA),  Alabama (AL), Tennessee (TN), Arkansas (AR), Kansas (KS)
Orlando, Kissimmee, Daytona, Palm Bay, Port St Lucie, West Palm Beach,  South Florida, Miami, Hialeah, Miramar, Fort Lauderdale, Pembroke Pines Hollywood, Coral Springs,   Texas (TX), Missouri (MO), Iowa (IA), Michigan (MI), Indiana (IN), Ohio (OH)

Clearwater, North Florida, Jacksonville, Panama City, Pensacola, Tallahassee

Houston, Austin, San Antonio, Arlington, Fort Worth, Dallas, El Paso

 

South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA)