Commercial Truck Insurance Orlando & Low Cost Commercial Auto Coverage

Colucci Insurance is your trusted independent agency for securing the most affordable commercial truck insurance Orlando has to offer. For over 35 years, we have specialized in finding the reliable, low cost commercial truck insurance Orlando businesses need.

We understand that time and money are critical to your success. Whether you operate a single pickup or manage a heavy fleet, our independent advantage allows us to shop numerous top carriers to find you the absolute lowest rates and easiest monthly payment plans.

Ready to start saving money on your truck insurance Orlando? Call us today for a free, no-obligation quote! 📞 Call Now: 1-833-865-3380. To submit a quote request 24 hours a day go here: Orlando Commercial Truck Insurance Quote Form.

Commercial Truck Insurance Olrando: Quotes for All Heavy Haulers

We offer the most competitive Commercial Truck Insurance Orlando quotes for all types of heavy risks across Florida. We cover everything from single owner-operators to large fleets.

We provide essential coverage for a wide range of commercial trucks, including:

Semi-Trucks & Tractors
Reefers (Refrigerated Trucks)
Dump Trucks & Heavy Haulers
Auto Haulers
Specialized equipment

We utilize major commercial markets like Canal, Northland, and IAT/Occidental to deliver multiple, competitive quotes quickly. Ask us about our low down payment and EZ monthly installment plans for your truck insurance Orlando policy.

Comprehensive Commercial Auto Insurance Orlando for Local Businesses

If your Orlando business relies on lighter-duty vehicles, you need dedicated Commercial Auto Insurance Orlando coverage. This essential policy covers liability and physical damage for vehicles used for business purposes, protecting your company’s assets.

We provide low-cost commercial auto insurance for a wide range of local ventures, including:

Artisan Contractors & Service Vehicles

We cover commercial vehicles for local plumbers, HVAC technicians, painters, landscapers, florists, and the general construction industry. Additionally offered to artisan contractors is General Liability Insurance.

Delivery & Cargo Vehicles

This includes cargo vans, pickup trucks, service vehicles, and catering trucks. We make finding low cost commercial auto insurance Orlando coverage easy and efficient, ensuring your business is fully protected on the road.

Specialized Coverage: Box Truck, Hot Shot & Cargo Insurance Orlando

We have the expertise to handle specialized transportation risks, ensuring you meet all state and federal filing requirements at the best rate.

Box Truck Insurance Orlando

Whether you operate a moving truck, refrigerated truck, or a dedicated delivery box truck, we understand your unique exposure. We specialize in finding affordable Box Truck Insurance Orlando policies that cover the vehicle, liability, and the risk associated with local or regional deliveries.

Hot Shot Insurance Orlando

If you use a pickup truck and trailer (Class 3) to haul freight for hire, you need specific Hot Shot Insurance Orlando. We offer fast, low cost quotes for transporting dry freight, equipment, and automobiles, ensuring your specialized hauling operation is fully compliant and protected.

Motor Truck Cargo (MTC) Insurance

Crucial for any carrier hauling commodities for hire, Motor Truck Cargo (MTC) Insurance protects the freight you are responsible for. We have provided reliable Cargo Insurance Orlando policies for carriers for over 35 years, covering damage, theft, and loss of the transported goods.

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 Orlando 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.

Why Choose Colucci for Your Low Cost Commercial Truck Insurance Needs?

Low Cost Leader

We consistently find lower rates than the average Orlando agent, specializing in finding Low Cost Commercial Truck Insurance Orlando carriers.

Independent Advantage

We shop 35+ top-rated carriers, including Canal, Northland, and Progressive, guaranteeing you the lowest premium for your Commercial Truck Insurance Orlando policy.

Trusted & Reputable

We are A-Rated members of the Better Business Bureau (BBB) and members of the Florida Association of Insurance Agents (FAIA).

Flexible Payments

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

Ready to get the best rate on Commercial Truck Insurance Orlando?

CALL US NOW: 1-833-865-3380 EMAIL US: info@colucci-insurance.com

Beyond Orlando

While we specialize in Commercial Truck & auto Insurance in Orlando, 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)
Cape Coral, Fort Myers, Sarasota, South Florida, Miami, Fort Lauderdale	Texas (TX), Missouri (MO), Iowa (IA), Michigan (MI), Indiana (IN), Ohio (OH)
Clearwater, North Florida, Jacksonville, Gainesville, Ocala, Panama City, Tallahassee	South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA)