Commercial Truck Insurance Florida: The Local Experts Since 1990

For over 35 years, Colucci Insurance has been the trusted name for independent truckers and fleet owners across the Sunshine State. We know that in the trucking industry, time is money. You need Commercial Truck Insurance in Florida that protects your livelihood without eating up your profit margins.

Since 1990, we have specialized in helping Florida truckers navigate the complex road of insurance requirements. As an independent insurance agency, we don’t work for a single insurance carrier—we work for you. We represent the Best Florida Truck Insurance Companies, allowing us to shop the market on your behalf. Whether you are an owner-operator with a single rig or managing a growing fleet, we provide multiple quotes to ensure you get the Cheapest Commercial Truck Insurance Florida has to offer without sacrificing coverage.

Why choose Colucci?

• Low Down Payments: Get started without breaking the bank.

• EZ Monthly Payments: Cash flow is king; our plans respect that.

• Experience: We have been doing this longer than many other agencies have been in business.

Check out our A+ Profile on the Better Business Bureau (BBB)

For Quotes Call 833-865-3380 or fill out our easy to use quote form 24 hours a day Florida Commercial Truck Insurance Quotes

Finding Low Cost Commercial Truck Insurance Florida policies requires an agent who understands your specific cargo and vehicle type. General auto insurance agents often misclassify trucks, leading to gaps in coverage or inflated premiums. We specialize in:

• Semi Truck Insurance Florida: Comprehensive coverage for long-haul and regional tractors.

• Box Truck Insurance Florida: tailored solutions for delivery, moving, and logistics.

• Dump Truck Insurance Florida: Coverage that handles the unique risks of construction and aggregate hauling.

• Auto Haulers Insurance Florida: High-value cargo protection for car carriers.

Are you a new venture? Getting your own authority is a massive step. Unlike many agencies that shy away from new businesses, we have specialized markets specifically for New Authorities.

We assist with all necessary federal filings to get you legal for interstate commerce.

• FMCSA Filings: We handle your BMC-91X and other proof of insurance filings directly with the Federal Motor Carrier Safety Administration (FMCSA).

• DOT Registration: If you are just getting started, you can Apply for a US DOT Number via the FMCSA Portal.

Understanding the difference between Intrastate (Florida only) and Interstate (crossing state lines) is vital for compliance.

1. Intrastate (Florida Only) If you never leave the state of Florida, your requirements are determined by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV) and generally depend on the Gross Vehicle Weight (GVW) of your truck.

• 10,000 – 26,000 lbs GVW: typically requires $10,000 PIP / $10,000 PDL (though higher limits are strongly recommended).

• 26,001 – 34,999 lbs GVW: $50,000 Combined Single Limit (CSL).

• 35,000 – 43,999 lbs GVW: $100,000 CSL.

• 44,000+ lbs GVW: $300,000 CSL.

2. Interstate (Federal / Crossing State Lines) If you haul goods across state lines, you fall under federal jurisdiction.

• General Freight: $750,000 Combined Single Limit (Minimum). Note: Most brokers and shippers will require you to carry $1,000,000 in liability.

• Oil & Hazmat: $1,000,000 to $5,000,000 depending on the nature of the cargo.

For industry updates and advocacy, we recommend truckers stay connected with the Florida Trucking Association.

To operate heavy commercial equipment, a standard driver’s license isn’t enough. You need a Commercial Driver’s License (CDL).

Who needs a CDL in Florida? Generally, you need a CDL if:

• Your vehicle has a Gross Vehicle Weight Rating (GVWR) of 26,001 pounds or more.

• You transport hazardous materials requiring placards.

• You drive a vehicle designed to transport 16 or more passengers (including the driver).

How to Obtain a Florida CDL

1. Pass the General Knowledge written test.

2. Obtain a Commercial Learner’s Permit (CLP).

3. Complete entry-level driver training.

4. Pass the 3-part skills test (Pre-trip inspection, Basic Controls, Road Test).

For full details on testing locations and fees, visit the FLHSMV Commercial Driver License page.

Don’t Forget General Liability Auto liability covers you while driving, but what happens if you damage a loading dock while backing in, or someone slips at your facility? We offer Truckers General Liability to protect your business off the road. > Learn more about our General Liability Insurance in Tampa & Florida

Lowering Your Insurance Costs We know that Florida commercial truck insurance cost is a major line item in your budget. While we shop for the Affordable Commercial Truck Insurance Florida carriers, there are steps you can take to lower your premiums, such as hiring experienced drivers and maintaining a clean DOT safety record. > Read our Guide: Smart Ways to Lower Your Florida Truck Insurance Costs

Once you have your insurance, you need to get your tags.

Heavy Vehicle Use Tax (HVUT): If your truck is 55,000 lbs or more, you must file Form 2290 with the IRS. You need proof of payment to register your vehicle. Visit the IRS Trucking Tax Center.

Registration: Visit your local county tax collector.

Main County Tax Collector Offices:

• Hillsborough County Tax Collector for Heavy Trucks: Main Branch: 601 E Kennedy Blvd, 14th Floor, Tampa FL 33602.  All locations for Hillsborough County.

• Miami-Dade County Tax Collector: Main Branch: 200 NW 2nd Ave, Miami FL 33128. All locations for Miami-Dade County.

• Orange County Tax Collector: Main Branch: 301 S Rosalind Ave, Orlando FL 32801. All locations for Orange County.

• Duval County Tax Collector: 231 E Forsyth St, Jacksonville, FL 32202

• For a complete list of locations and requirements by county, visit the FLHSMV Locations Website.

Yes! We specialize in helping drivers with new authority get established. We can provide the filings you need to get on the road immediately.

Absolutely. We offer low down payments and EZ monthly payments to help manage your cash flow.

Rates vary based on your cargo, driving history, and radius of operation. However, because we are an independent agent, we quote multiple carriers to find you the Best Commercial Truck Insurance Florida rates available.

The best way to find affordable quotes is to contact an independent agent like Colucci Insurance. Unlike “captive” agents (State Farm, Geico, etc.) who can only offer one price, we compare dozens of insurers to find you the lowest price.

We pride ourselves on service. See what our customers say on our Google Reviews.

We provide commercial truck insurance throughout the Southeast and beyond.

Don’t overpay for your coverage. Trust the Commercial Truck Insurance Florida experts who have been serving the industry since 1990. Contact Colucci Insurance today for a fast, free quote.

📞 Call Us Today: 833-865-3380