Call now to start saving money today! 1-833-865-3380           FL GA TX AL TN AR SC NC PA IN MI IA KS MO OH MD

Commercial Truck Insurance Clearwater & Commercial Auto Insurance Clearwater, FL

Commercial Truck Insurance Clearwater

Low Cost Commercial Truck Insurance Clearwater and Surrounding Areas

As the premier independent agency for over 35 years, Colucci Insurance is your trusted source for the most affordable Commercial Auto Insurance Clearwater Florida and Commercial Truck Insurance Clearwater quotes.

We are not tied to a single provider. We leverage our network of top-rated carriers (including Canal, Northland, Progressive, and more) to compare rates and provide you with multiple quotes—guaranteeing you save the most money. Start saving today with our low down payments and easy monthly installments.

Whether you are in Clearwater, Dunedin, Largo, Pinellas Park, or Palm Harbor, we are dedicated to finding you the specialized, low-cost coverage your business needs.

Call us now at 833-865-3380 for your free, no-obligation quote! Also you can submit your quote request by going here: Clearwater Commercial Truck Insurance Quote Form. 

Low Cost Commercial Truck Insurance Clearwater

Affordable Truck Insurance Clearwater for Owner-Operators

If you haul freight on a “for hire” basis, you need a commercial truck insurance policy specifically tailored for the road. We specialize in providing comprehensive coverage for owner-operators across Clearwater and the state of Florida.

Our expertise allows us to offer quotes from more companies than the average agent. We find the absolute lowest rates on your Florida truck insurance, ensuring you meet all state and federal requirements without overpaying.

Specialized Coverage: Hot Shot Insurance Clearwater and Cargo

We are one of the few local agencies offering specialized Hot Shot Insurance Clearwater quotes. This essential coverage is designed for medium-sized vehicles (typically Class 3 to Class 5) like Ram 3500 dually, Ram 5500, and Ford 350 used for rapid transport.

Whether you’re hauling dry freight, building materials, autos, or boats, we provide multiple hot shot truck insurance quotes from carriers that understand your unique risks, all with Low Down & Easy payments.

Hot Shot Insurance Clearwater

Essential Cargo Coverage

Cargo Insurance Clearwater Florida is vital for any business hauling products on a “for hire” basis. Standard commercial auto policies often do not cover the value of the cargo you are transporting. We can provide this coverage either as an endorsement on your primary policy or as a stand-alone plan, ensuring your products are protected from Clearwater to the rest of the country.

Box Truck Insurance Clearwater & Commercial Auto for Contractors

We offer targeted, low-cost Commercial Auto Insurance for artisan contractors and related trades in the Clearwater area, including the communities of Oldsmar and Safety Harbor. Our markets accept a vast number of business categories and vehicle types.

Vehicles We Insure (Including Box Truck Insurance):

  • Box Trucks (Straight Trucks)

  • Pickup Trucks & Cargo Vans

  • Dump Trucks & Service Utility Vehicles

  • Step Vans and Delivery Vans

If you are an HVAC technician, plumber, landscaper, or roofer, we have the specialized Commercial Auto Insurance Clearwater policy to cover your work vehicles. If you don’t see your vehicle listed, call 833-865-3380—we have a broad selection of vehicles we can provide coverage on.

Additionally offered is General Liability Insurance.

Commercial Auto Insurance Clearwater

Understanding Florida's Minimum Commercial Truck Liability 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“.

When you purchase Commercial Truck Insurance in Clearwater, it’s important to know the minimum state requirements, which are based on your Gross Vehicle Weight (GVW) per Florida Deparment of Highway Safety and Motor Vehicles:

Truck GVW Minimum Florida CSL & PIP Required
Light Trucks (26,000 lbs or less) $30,000 CSL and PIP
Medium Trucks (26,000 – 35,000 lbs) $50,000 CSL and PIP
Heavy Trucks (35,000 – 44,000 lbs) $100,000 CSL and PIP
Heavy Trucks (Over 44,000 lbs) At least $300,000 CSL and PIP
Public Transportation $300,000 to $1,000,000 (Based on seating capacity)

(Note: Federal regulations for interstate commerce typically require $750,000 to $5,000,000.) Further informiton on federal filings are on the Federal Motor Carrier Safety Administration website.

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.

Why Choose Us for Commercial Auto Insurance in Clearwater?

As a trusted local agency, Colucci Insurance has been serving Florida drivers for over 35 years. When you choose us for Commercial auto Insurance in Clearwater, you get:

  • Fast Certificates of Insurance: Get on the job site faster.

  • Multiple Carrier Options: We shop; you save!

  • General Liability Insurance: We offer affordable general liability quotes for artisan contractors and truckers.

  • Local Knowledge: We understand the specific insurance needs of Wesley Chapel businesses.

Ready to save on your premiums? Call us today at 813-972-1947 or submit your quote request here: Clearwater Commercial Auto Insurance Quotes. 

📍Beyond Clearwater

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

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