Commercial Truck Insurance St Peterburg: Low Cost Commercial Auto Quotes & Expert Coverage

Commercial Truck Insurance St Petersburg

Your Expert Source for Commercial Auto and Truck Insurance in St Petersurg, FL

For over 35 years, Colucci Insurance has specialized in providing affordable and reliable commercial vehicle insurance for businesses and owner-operators across St. Petersburg, Florida. We are your trusted independent agency, dedicated to finding you the absolute lowest rates for both Commercial Truck Insurance St Petersburg and comprehensive Commercial Auto Insurance St Petersburg.

We understand that securing Low Cost Commercial Truck Insurance St Petersburg is critical to your bottom line. That’s why, as an independent agency, we shop multiple top-rated carriers—like Progressive, Canal, Northland, Arch, and IAT—to ensure you get the best coverage at the absolute lowest price. We offer flexible payment options, including Low Down Payments & EZ Monthly Installments.

Ready to save? Call 1-833-865-3380 or click to request your free St. Petersburg commercial insurance quote today! St Petersburg Commercial Truck Insurance Quote Form.

Specialized Truck Insurance St Petersburg: Hot Shot, Cargo & Fleet Coverage

We understand the complex and specialized needs of the transportation industry. Our Truck Insurance St Petersburg solutions are designed to meet the unique requirements of Florida-based truckers, whether you are operating a local fleet or working as an owner-operator across state lines. We make finding Low Cost Commercial Truck Insurance St Petersburg for your specialized vehicles simple.

We provide affordable coverage for a wide range of vehicles, including:

Semi-Trucks (Tractors and Trailers)
Dump Trucks, Box Trucks, and Delivery Vehicles
Reefers (Including Refrigeration Breakdown Coverage)
Auto Haulers (Car Carriers)

Hot Shot and Cargo Insurance St Petersburg Experts

Don’t let a gap in coverage halt your business. We are experts in niche policies that many other agents overlook:

Hot Shot Insurance St Petersburg: Specifically tailored for Class 3 vehicles (often pickup trucks) hauling for-hire cargo. We provide competitive quotes for truckers hauling dry freight, building materials, autos, and boats.
Cargo Insurance St Petersburg: Essential for any business hauling products for hire. Standard commercial auto policies do not cover the freight you are transporting. We offer stand-alone cargo policies and can help you secure crucial features like Earned Freight Coverage, which provides lost income protection.

Affordable Commercial Auto Insurance St Petersburg for Local Businesses

Commercial Auto Insurance St Petersburg is fundamentally different from a personal auto policy. If your business uses vehicles for transportation, service, or delivery, you require a dedicated commercial policy to protect your assets.

We are the leading source for affordable Commercial Auto Insurance St Petersburg for Artisan Contractors and local businesses, including:

Artisan Contractors	Vehicle Types Covered
Roofers & Plumbers	Cargo & Delivery Vans
HVAC & Painters	Pickups & Flatbeds
Landscapers & Florists	Step Vans
Construction & General Service Businesses	Box & Dump Trucks

Additionally offered for St Petersburg artisan contractors is general liability insurance.

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 St Petersburg 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 Truck Insurance St Peterburg Needs?

We go beyond simply offering quotes. We provide the expertise you need to ensure you’re compliant and fully protected, making us the top choice for Truck Insurance St Petersburg and commercial auto needs.

35+ Years of Experience: Our long history in the Florida insurance industry guarantees expertise you can rely on.
Independent Agency Advantage: We provide multiple, low-cost quotes from top-rated companies competing for your business, ensuring maximum savings.
Trusted & Rated: We are proud members of the Florida Association of Insurance Agents (FAIA) and hold an A Rating with the Better Business Bureau (BBB).

Ready for Low Cost Commercial Truck Insurance St Peterburg Quotes?

Get your free, no-obligation quote today and start saving!

Call: 1-833-865-3380

Or Click Here to Request a Quote Online 24 hours a Day.

Low Cost Commercial Truck Insurance St Petersburg

Beyond St Petersburg

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

Florida Cities	Neighboring States
Tampa, Wesley Chapel, Cape Coral, Brandon, 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)
Clearwater, Gainesville, Ocala, North Florida, Jacksonville, Panama City Pensacola, Tallahassee	South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA)