Commercial Truck Insurance Georgia: Low Cost Quotes for Owner-Operators & Fleets

Colucci Insurance is the trusted low-cost leader for finding Commercial Truck Insurance Georgia quotes on Semi, Box, Hot Shot & Dump Trucks. For over 35 years, we have specialized in delivering cheap, affordable coverage for truckers across the state, including major cities like Atlanta, Columbus, Augusta, Macon, and Savannah. We understand that finding the right balance between comprehensive coverage and an affordable rate is critical to your business, which is why we shop your policy across multiple A-rated carriers to ensure you get the protection you need at a price you can afford. For Quotes Call 833-865-3380 or you can submit a quote request here 24/7 Georgia Commercial Truck Insurance Quotes.

Stop overpaying! As an independent agency, Colucci Insurance shops your policy across multiple top-tier carriers (like Canal, IAT/Occidental, and Arch), specializing in providing the most Low Cost Georgia Commercial Truck Insurance quotes without sacrificing necessary coverage. For intrastate trucking requirements (when you don’t cross state lines) go to the Georgia Department of Revenue website.

Key Benefits for Georgia Truckers:

• Multiple Markets: We compare quotes from over a dozen specialty markets to guarantee the best price.
• Low Down Payments: Start your policy with easier, more manageable initial payments.
• EZ Monthly Installments: Flexible payment plans designed to fit your cash flow.
• Fast Quotes: Get covered quickly with transactions handled efficiently by phone or email.
• Federal Filings: MCS-90, BMC-91X, etc… See federal insurance requirements for interstate commerce on the Federal Motor Carrier Safety Administration website.

For long-haulers and regional drivers, we offer comprehensive Semi Truck Insurance Georgia quotes. We ensure you meet all FMCSA federal filings (MCS-90, ICC) and state requirements, protecting your tractor-trailer against liability, physical damage and general liability whether you are on I-285 or crossing state lines.

We are experts in finding cheap and affordable commercial Box Truck Insurance Georgia quotes. Ask about our innovative Pay-Per-Mile program to save money during slow months!

Construction and aggregate hauling require heavy-duty protection. Our Dump Truck Insurance Georiga policies cover sand, gravel, and dirt haulers with specific coverage for physical damage ensuring your business is protected on and off the job site.

If you operate an expedited delivery service, you need specialized Hot Shot Insurance Georgia coverage. We handle all necessary Federal Filings, ensuring your operation is compliant when crossing state lines.

Protect the products you haul with comprehensive Cargo Insurance Georgia. Insist on Earned Freight Coverage to protect your income if a covered peril prevents delivery of your load.

It is vital to stay compliant with state and federal laws to avoid fines or suspension of your authority. Georgia mandates specific insurance limits based on the weight of your vehicle and where you operate. We stay up to date with industry standards set by organizations like the Georgia Motor Trucking Association.

Intrastate (Operating Only Within Georgia): If you operate a commercial vehicle strictly within state lines (Intrastate), the Georgia Department of Public Safety requires the following minimum liability limits for property carriers with a Gross Vehicle Weight (GVW) over 10,000 lbs:

• $100,000 Bodily Injury per person

• $300,000 Bodily Injury per accident

• $50,000 Property Damage liability

Note: For vehicles under 10,000 lbs, standard auto liability limits may apply, though we recommend higher limits to protect your business assets.

Interstate (Crossing State Lines): If your trucks cross out of Georgia into Alabama, Tennessee, Florida, or any other state, you must meet Federal Motor Carrier Safety Administration (FMSCA) requirements:

• $750,000 CSL (Combined Single Limit) for general freight carriers (GVW > 10,001 lbs).

• $1,000,000 – $5,000,000 CSL for carriers hauling hazardous materials.

We handle all necessary filings to keep you compliant with both Georgia and Federal regulations.

Looking to reduce your overhead? Here are effective ways to lower your Commercial Truck Insurance Georgia premiums:

• Shop with an Independent Agent: The most effective way to save is choice. Unlike captive agents, Colucci Insurance Independent Agency shops your policy with dozens of providers like Progressive, Northland, and Canal to force them to compete for your business.

• Hire Experienced Drivers: Insurance carriers reward businesses that hire drivers with clean CDL records and experience. A seasoned driver is a lower risk.

• Pay in Full: If your cash flow allows, paying your policy in full rather than monthly can often save you 10-15% instantly.

• Use Telematics & Dash Cams: Many insurers now offer discounts for fleets that install dash cams or use ELDs (Electronic Logging Devices) to monitor driving habits, as this significantly reduces the risk of fraudulent claims.

• Check Your CAB Scores: Keep your maintenance scores high and your out-of-service violations low. Your safety rating directly impacts your insurance rate.

Costs vary based on cargo, radius, and driving history.

• Semi Trucks: Owner-operators typically pay between $12,000 and $18,000 per year for primary liability and physical damage.

• Box Trucks: Local delivery policies generally range from $5,000 to $10,000 per year.

• Hot Shots: Rates are often similar to semis due to the expedited nature of the work, ranging from $9,000 to $14,000. Call us for a customized quote to see exactly what you will pay.

While the state of Georgia may not mandate cargo insurance for all carriers, most brokers and shippers will require it before they load your truck. Standard limits are usually $100,000. This protects the freight you are hauling against theft, fire, or collision. Make sure your policy contains “earned freight coverage” for lost income against covered perils.

Yes! We specialize in new ventures. While some companies turn away new authorities, we have access to carriers specifically designed to help new trucking businesses in Georgia get on the road with affordable rates.

Stop delaying and start saving! Contact Colucci Insurance now to secure your Commercial Truck Insurance Georgia policy. Call toll free 1-833-865-3380 for a low cost quote.

While we specialize in Commercial Truck Insurance Georgia, we proudly offer our low-cost quotes throughout the Southeast and Midwest: