Commercial Truck Insurance Florida - Low Cost Semi, Box, Auto Haulers & Dump Quotes
For over 35 years, Colucci Insurance has been a trusted leader in providing reliable low cost Commercial Truck Insurance in Florida on Semi, Dump & Box Trucks. Since 1990, we have helped thousands of truckers and fleet managers secure the coverage they need to stay on the road.
As an independent agent, we work for you, not the insurance carriers. This allows us to shop your policy with multiple top-rated companies to ensure we always get you the lowest quotes available without sacrificing coverage. Whether you are a single owner-operator or manage a large fleet, our experience ensures you get the best rates in the Sunshine State.
For quotes call toll free 833-865-3380 or submit your request here 24/7 Florida Commercial Truck Insurance Quotes.
Low Cost Commercial Truck Insurance Florida
Finding Low Cost Commercial Truck Insurance Florida policies doesn’t have to be difficult. At Colucci Insurance, we understand that insurance is one of your biggest operating expenses. That is why we leverage our three decades of relationships with major carriers like Progressive, Northland, and Canal to force them to compete for your business.
We specialize in tailoring policies that fit your specific budget and risks. By reviewing your routes, cargo, and driving history, we can often find discounts and coverage options that other agents miss.
Specialized Coverage for Every Hauler
We offer customized solutions for a wide variety of commercial vehicles. No matter what you haul, we have a program for you.
Semi Truck Insurance Florida
If you operate a tractor-trailer, you know that Semi Truck Insurance Florida rates can fluctuate wildly. We specialize in long-haul and regional trucking policies that meet all federal (FMCSA) and state requirements, including MCS-90 and ICC filings. We help you protect your rig and your livelihood.
To submit a quote request for a quote on Semi Truck insurance in Florida click here: Florida Semi Truck Insurance Quotes.
Dump Truck Insurance Florida
Construction and aggregate haulers have unique risks. Our Dump Truck Insurance Florida programs are designed to cover the specific hazards of construction sites and sand/gravel hauling. We offer robust liability and physical damage coverage to keep your operation moving.
Call 833-865-3380 for dump truck insurance in Florida or submit your quote request here: Florida Dump Truck Insurance Quotes.
Box Truck Insurance Florida
From local delivery routes to interstate freight, we provide affordable Box Truck Insurance Florida. We can even offer specialized pay-per-mile options for fleets with fluctuating mileage, ensuring you never pay for coverage you aren’t using.
For affordable box truck insurance in Florida call 833-865-3380 or submit your quote request here 24 hours a day: Florida Box truck Insurance Quotes.
Auto Haulers Insurance Florida
Transporting vehicles carries high risks and requires high cargo limits. We provide specialized Auto Haulers Insurance Florida quotes that protect the valuable inventory on your trailer—whether you are hauling used cars to auction or new luxury vehicles to dealerships.
For quotes on auto haulers insurance in Florida call 833-865-3380 or submit your request here 24/7: Florida Auto Haulers Insurance Quotes.
Hot Shot Insurance Florida
Hot shot trucking is a fast-growing industry, but finding the right coverage can be tough. We offer specialized Hot Shot Insurance Florida for expedited delivery services using Class 3 heavy-duty pickups. We ensure you have the proper filings (like the 91X) to operate legally across state lines.
UIIA Insurance Florida (CA23-17 Endorsement)
If your operation involves accessing Florida federal ports or rail yards, you need UIIA Insurance with the specific UIIA Intermodal CA 23-17 endorsement. Not all agencies offer this specialized requirement—we do. Contact us to ensure your policy meets all UIIA standards.
Florida Commercial Truck 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 Florida fall under these auto insurance requirements.
The State of 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, which currently start at $750,000 CSL.
| 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.
We handle all federal filings (e.g., MCS-90, ICC) to keep you compliant and worry-free.
Go here for Information on Florida Commercial Drivers license.
Tips for Lowering Your Commercial Truck Insurance Costs
Looking to reduce your overhead? Here are effective ways to lower your premiums:
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Shop Around: The #1 way to save is to use an independent agent like Colucci Insurance. We compare quotes from multiple providers so you don’t have to.
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Monitor CAB Scores: Your Central Analysis Bureau (CAB) score impacts your rate. Keep maintenance records current and be selective about who you lease to.
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Install Dash Cams: Many carriers offer discounts for dash cams as they help dispute frivolous claims.
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Prioritize Maintenance: Well-maintained vehicles signal lower risk to insurers, often resulting in better rates.
Commercial Truck Insurance Florida: Common Questions
Can I get a Quote if I have a New Authority and CDL?
Yes! While many insurers are hesitant to write policies for new ventures, Colucci Insurance has access to markets specifically designed for truckers with new authority. We can help you get your initial filings in place so you can start hauling and building the history needed for lower rates in the future.
How Much does Commercial Truck Insurance Cost in Florida?
Costs vary significantly based on your driving history, cargo, and radius of operation. However, based on current market averages in Florida:
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Semi Trucks: Owner-operators typically pay between $12,000 and $16,000 per year.
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Box Trucks: Policies generally range from $5,000 to $9,000 per year.
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Light Commercial: Cargo vans usually cost between $2,500 and $4,500 per year.
Call Colucci Insurance today at 1-833-865-3380 for your free quote!
You can also submit a quote request 24 hours a day by going here: Florida Low Cost Commercial Truck Insurance Quotes.
Where to register a commercial truck in Florida
In order to register a truck you need a dot number. You can obtain a US DOT Registration here. If your crossing state lines you will need a IRP Registration. Additionally for heavy trucks you’ll need a form 2290 for the heavy vehicle use tax (HVUT).
Truck registrations are done locally at the county tax collectors office. Here is a list of the FLHSMV locations by county.
📍Florida and Beyond
While we specialize in Commercial Truck Insurance in Florida, we also offer our low-cost commercial truck insurance quotes throughout the Southeast and Midwest:
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Cities
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) |
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Clearwater, North Florida, Jacksonville, Panama City, Pensacola, Tallahassee, Atlanta, Savannah, Augusta, Columbus, Macon, Houston, Austin, San Antonio, Arlington, Fort Worth, Dallas, El Paso,
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South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA) |
