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Low Cost Commercial Truck Insurance Fort Myers, FL | Commercial Auto & Hot Shot Quotes

Protect Your Fleet and Business Assets in Southwest Florida. As a trusted, family-owned independent agency with over 35 years of experience, Colucci Insurance is your premier source for specialized commercial vehicle coverage. We understand the unique demands of the transportation and service industries, providing tailored, Low Cost Commercial Truck Insurance Fort Myers businesses rely on. We shop over a dozen top-rated carriers to ensure you get the most competitive commercial auto rates, flexible payment options, and comprehensive protection for your operations in Fort Myers and across the state.

Ready to start saving? Call us today at 1-833-865-3380 or request your personalized quote by going here: Fort Myers Commercial Auto Insurance Quote Form

Low Cost Commercial Truck Insurance Fort Myers

Comprehensive Commercial Truck Insurance Fort Myers Solutions

Our focus is on delivering complete protection that meets all state and federal regulations while maximizing your savings. Whether you run regional routes or long-haul transport, we offer specialized policies designed for your bottom line.

Commercial Truck Insurance Fort Myers

Expert Commercial Truck Insurance Fort Myers Coverage

We provide expert policy design for a full range of heavy-duty vehicles, including dump trucks, flatbeds, and tractor-trailers. Our policies cover critical aspects like primary liability, physical damage, and non-trucking liability. We help fleets and owner-operators secure the right Truck Insurance Fort Myers needs, ensuring compliance with all Lee County and Florida requirements.

Affordable Commercial Auto Insurance Fort Myers for Every Business

Not all commercial vehicles are semi-trucks. We are experts in providing tailored Commercial Auto Insurance Fort Myers quotes for a wide range of business vehicles, including:

  • HVAC technicians, Plumbers, Roofers, and General Contractors

  • Florists and Delivery Services

  • Service vehicles like cement trucks, sprinters, and step vans

  • General Liability Insurance

If it has wheels and is used for business, we can cover it affordably.

Commercial Auto Insurance Fort Myers

Securing the Lowest Commercial truck Insurance Fort Myers Quotes

Finding cheap coverage shouldn’t mean sacrificing quality. Unlike captive agents who only represent one company, our independent status allows us to compare policies from leading commercial carriers. This competitive shopping process guarantees you receive the absolute Low Cost Commercial Truck Insurance Fort Myers rates available, complete with low down payments and easy monthly installments.

Specialized Commercial Vehcile Insurance for Southwest Florida

Our expertise extends to specific vehicle types and operations common across the Fort Myers region, allowing us to find you the perfect policy, not just a generic quote.

Box Truck Insurance Fort Myers and Lee County

Whether you move general freight, local deliveries, or refrigerated goods, we offer competitive rates and specialized programs for straight trucks and box vehicles. Ask about our unique Box Truck Insurance Fort Myers “Pay Per Mile” options, which can significantly lower your premium when your vehicle is idle—a great way to save for seasonal or part-time operators.

Box Truck Insurance Fort Myers

Hot Shot Insurance Fort Myers Specialist

Starting or running an expedited delivery service requires specific coverage. We specialize in finding affordable Hot Shot Insurance Fort Myers policies for pickup trucks with trailers, cargo vans, and light-duty trucks hauling general freight or automobiles. We provide the necessary protection to safeguard your vehicles and your cargo from day one.

Hot Shot Insurance Fort Myers

Essential Cargo Insurance

If you haul items “for hire,” this crucial policy covers the items you are transporting against loss or damage. We ensure your policy includes Earned Freight Coverage, a vital protection that replaces lost income if a covered peril prevents you from delivering a load on schedule.

Serving Fort Myers and Surrounding Communities

Our local Florida agency is dedicated to supporting truckers and businesses throughout Lee and Collier counties. We provide personalized service and quotes for clients in:

  • Lehigh Acres

  • Bonita Springs

  • Estero

  • Naples

  • Port Charlotte

No matter where your commercial operations are based in Southwest Florida, Colucci Insurance delivers local expertise and national resources.

Why Choose Colucci Insurance? (35+ Years of Trust)

When you look for commercial auto insurance in Fort Myers, you need a trustworthy, experienced agent focused on your best interests.

  • Independent & Low-Cost: We shop multiple top-rated carriers to guarantee you the lowest premium possible.

  • Experience You Can Trust: We’ve been providing affordable quotes and expert advice for over 35 years.

  • Proven Reputation: We are A-rated by the Better Business Bureau (BBB) and active members of the Florida Association of Insurance Agents (FAIA).

  • Easy Process: All transactions can be completed quickly and easily over the phone or by email.

Florida Commercial Truck & Auto Insurance Minimum 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 Fort Myers 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:

  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.

Beyond Fort Myers

While we specialize in Commercial Truck & auto Insurance in Fort Myers, 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)
Orlando, Cape Coral, 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 Pensacola, Tallahassee South Carolina (SC), North Carolina (NC), Maryland (MD), Pennsylvania (PA)

Call Us Now to Start Saving!

Ready for your personalized, low-cost commercial truck insurance quote in Fort Myers?

Call 1-833-865-3380 for your free quote today!