Commercial Truck Insurance Tampa Florida 🚚 Low Cost Quotes and EZ Payment Plans
For over 35 years, Colucci Insurance has been the trusted independent agency providing affordable Commercial Truck Insurance in Tampa, Florida. We specialize in finding low-cost, comprehensive coverage for owner-operators and fleet managers throughout the Tampa Bay area and across the state.
If you are looking to save money 💰 on your commercial auto and trucking premiums, you’ve come to the right place. Our access to numerous top-rated carriers allows us to offer you the most competitive rates, often featuring Low Down Payments and EZ Monthly Installments.
📞 Start Saving Today! Call 1-833-865-3380
To submit a request for use our commercial truck insurance quote form.
Comprehensive Coverage for Every Truck in Tampa
We understand that commercial trucking is not one-size-fits-all. Our independent agents can secure the specific coverage you need, ensuring your business is fully protected on Tampa’s roads and beyond.
Dump Truck Insurance Tampa
We offer affordable Commercial Auto Insurance on Dump Trucks regardless of your vehicle’s GVW. Whether you operate a light, medium, or heavy dump truck in Tampa, St. Petersburg, or Clearwater, we have flexible plans to keep you on the job. We understand the specific liability limits required for your operation, from $50,000 for light trucks to $300,000 for heavy haulers Florida Highway Safety and Motor Vehicles.
Box Truck Insurance Florida Quotes
Need Box Truck Insurance Florida low-cost quotes? We provide multiple options for your box truck fleet, including a potential Pay-Per-Mile program for significant savings during off-peak months. Don’t pay for coverage when your vehicle isn’t running—ask us about the pay-per-mile option.
Semi-Truck & Tractor Trailer Insurance
From long-haul trucking to local transport between Tampa, Orlando, and Miami, we provide competitive quotes for Semi-Truck and Tractor Trailer Insurance. As well as all the Federal Filings required for intrastate commerce.
Essential Trucking Coverage
Beyond standard liability and physical damage, we ensure you have essential protection tailored to the trucking industry:
-
Motor Truck Cargo Insurance: A must-have for any “For Hire” operation, covering the financial risk of loss or damage to the commodities you haul. We ensure your policy includes “earned freight” coverage.
-
Non-Trucking Liability (NTL): Protection when your semi-truck is being used for personal errands while not under dispatch.
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 in Florida. Most commercial vehicles such as semi, box and dump trucks in Tampa fall under these insurance requirements.
Source:
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.
Florida commercial auto insurance quotes provided in Tampa, Orlando, Miami and Jacksonville.
Additionally available in Tampa is general liability insurance. For quotes click here: Quotes for Tampa FL General Liability Insurance.
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 Insurance for Your Tampa Trucking Business?
As an independent agency serving the community for over three decades, our priority is your savings and protection.
🌟Our Competitive Advantage
- 35+ Years of Experience: Deep expertise in the complex Florida commercial truck insurance market.
- Access to Multiple Carriers: We don’t work for one company; we shop your quote across dozens of top-tier carriers, including:
- Canal
- Northland
- Progressive
- National General
- Great American
- And many more…
- Flexible Payments: We provide quotes with Low Down Payments and flexible, EZ Monthly Installments.
- High-Risk? No Problem: We can often find coverage for new ventures, drivers with less than 2 years CDL experience, or those with a low Safer rating.
- Filings: We handle all necessary filings, including FR44 insurance and SR22 insurance for commercial auto.
Ready for Your Low Cost Truck Insurance Quote?
Don’t settle for high rates. Our team is ready to analyze your needs and provide you with the most affordable Commercial Truck Insurance Tampa quotes available.
Call Colucci Insurance Today!
☎️ Phone: 1-833-865-3380
📧 Email: info@colucci-insurance.com
📍 Location: 1441 E Fletcher Ave #105, Tampa, FL 33612
📍Tampa & Beyond
While we specialize in Commercial Truck Insurance in Tampa, Florida. We also offer our low-cost commercial truck insurance quotes throughout Florida and the Southeast and Midwest:
|
Cities Leigh Acres, Pompano Beach, Miami Gardens, Davie, Palm Coast, Boca Raton, Deltona, Plantation, Sunrise, Gainesville, Ocala, Sarasota, Bradenton, Cape Coral, Fort Myers, |
States |
| 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) |
|
Clearwater, North Florida, Jacksonville, Panama City, Pensacola, Tallahassee, Houston, Austin, San Antonio, Arlington, Fort Worth, Dallas, El Paso, Atlanta, Savannah, Augusta, Columbus, Macon,
|
South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA) |