Insurance financing from 15% down
Start with as little as 15% down and pay the rest in installments, so your cash stays in your business and your truck gets on the road now.
How insurance financing worksHard-driving truck insurance for hardworking truckers
We work only in trucking insurance. Owner-operators and fleets get coverage from 100+ A-rated carriers, certificates in 30 seconds and a team that picks up the phone.
5.0 from 211 Google reviews 100+ A-rated carriers
Trusted insurance partners
We shop the country’s top trucking insurers to match your operation with the right coverage.
100+ A-rated carriers represented
Coverage for every mile
Every policy we sell is written for trucking. Choose one to see what it covers and who needs it.
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Primary liability insurance
Pays for injuries and property damage you cause to others in an accident with your truck. It’s the coverage your operating authority depends on: at least $750,000 for most for-hire interstate carriers, and $1 million to $5 million for hazardous materials.
- Who needs it
- Every motor carrier and owner-operator running under their own authority.
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General liability insurance
Covers claims that don’t involve driving: someone hurt at your yard or at a customer’s dock, damage to a customer’s property while you load or unload, and advertising injury.
- Who needs it
- Carriers who work on customers’ premises, or whose contracts ask for it.
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Hired & non-owned auto insurance
Liability for vehicles your business rents, leases or borrows, and for employees who use their own cars on company business.
- Who needs it
- Fleets that rent trucks or have staff running errands in personal vehicles.
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Umbrella & excess insurance
Adds limits on top of your primary liability and general liability, for severe claims and for shippers or brokers that require higher limits.
- Who needs it
- Carriers with higher-value contracts, hazmat haulers and growing fleets.
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Physical damage insurance
Repairs or replaces your own tractor and trailer after a collision, and after theft, fire, vandalism, hail or flood.
- Who needs it
- Owner-operators and fleets with valuable equipment. Lenders and lessors usually require it.
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Motor truck cargo insurance
Covers the freight in your care when it’s damaged or lost because of a covered accident, fire or theft.
- Who needs it
- For-hire carriers. Most brokers and shippers ask for $100,000 or more.
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Reefer breakdown insurance
Covers spoiled temperature-controlled freight when your refrigeration unit breaks down. It’s usually added to motor truck cargo.
- Who needs it
- Reefer haulers moving food, produce, pharmaceuticals and other temperature-sensitive loads.
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Trailer interchange insurance
Covers physical damage to a trailer you don’t own while it’s in your care under a written trailer interchange agreement.
- Who needs it
- Intermodal and drop-and-hook carriers pulling other companies’ trailers.
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Non-owned trailer insurance
Physical damage coverage for trailers you pull but don’t own, when there’s no written interchange agreement.
- Who needs it
- Carriers who borrow or rent trailers informally.
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Non-trucking liability insurance
Liability for a leased owner-operator driving for personal use, off dispatch, when the motor carrier’s policy doesn’t respond.
- Who needs it
- Owner-operators leased to a motor carrier. The lease agreement often requires it.
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Bobtail insurance
Liability when you drive your tractor without a trailer attached, for example heading to pick up a load or coming back from a delivery.
- Who needs it
- Leased owner-operators. Your lease tells you whether you need bobtail or non-trucking liability.
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Uninsured motorist insurance
Pays for your injuries and damage when the at-fault driver has no insurance, or not enough to cover your losses.
- Who needs it
- Every driver. Many states require it, or require you to turn it down in writing.
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Intermodal insurance
A coverage package for drayage between ports, rail yards and warehouses, including the trailer interchange coverage the UIIA requires.
- Who needs it
- Drayage carriers pulling containers and chassis.
Insurance built for your kind of rig
Every operation carries different risks. Choose yours to see the coverage truckers like you usually carry.
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Flatbed insurance
Steel, lumber, machinery and oversize loads.
- Coverage most flatbed operators carry
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Dump truck insurance
Sand, gravel, asphalt and construction hauling.
- Coverage most dump truck operators carry
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Auto hauler insurance
Car carriers moving new, used and salvage vehicles.
- Coverage most auto hauler operators carry
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Gas hauler insurance
Fuel and petroleum tankers with higher federal limits.
- Coverage most gas hauler operators carry
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Liquid waste & hazmat insurance
Grease trap, septic, liquid waste and hazmat haulers.
- Coverage most liquid waste & hazmat operators carry
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Hot shot insurance
Pickup-and-gooseneck operations running time-critical loads.
- Coverage most hot shot operators carry
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Intermodal insurance
Container drayage between ports, rail yards and warehouses.
- Coverage most intermodal operators carry
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Log hauler insurance
Logging trucks running from the woods to the mill.
- Coverage most log hauler operators carry
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Moving & storage insurance
Household and commercial movers, and the goods in storage.
- Coverage most moving & storage operators carry
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Towing insurance
Wreckers, rollbacks and recovery work.
- Coverage most towing operators carry
From quote to covered
Three steps, with the same agent beside you for each one.
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Tell us about your operation
Your trucks, drivers, radius and what you haul. It takes a few minutes online or one phone call.
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We shop 100+ A-rated carriers
Your agent compares coverage and price across the market and explains the trade-offs in plain English, or Spanish.
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Get covered and keep rolling
Sign, pay (financing from 15% down) and send certificates of insurance to shippers and brokers in 30 seconds.
Why truckers choose Axle
Trucking insurance is all we do, so we know the industry inside and out, and we’re there when something goes wrong on the road.
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A dedicated rep
Your rep knows your policy backwards and forwards, so you get answers when you need them.
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We pick up the phone
Time is money on the road. We answer calls live and reply to every email within 24 hours.
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English and Spanish
Zero language barriers. Handle quotes, changes and questions in the language you prefer.
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100+ A-rated carriers
With hundreds of options at our fingertips, you get coverage that fits your operation and your budget.
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Certificates in 30 seconds
Create, download and send certificates of insurance online, 24/7, from any device.
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Financing from 15% down
Pay for your insurance as you go and get your truck on the road now.
Tools that keep you moving
Certificates of insurance in 30 seconds
Log in to create, download and send certificates of insurance to shippers and brokers from any device, 24/7. No waiting on an agent.
What truckers say about Axle
Average of 211 reviews on Google
Trucking insurance questions, answered
Don’t see your question? Call us at (888) 353-2953
How much trucking insurance do I need?
Most for-hire carriers hauling general freight across state lines must carry at least $750,000 in primary liability under FMCSA rules. Oil and hazardous materials raise the federal minimum to $1 million or $5 million. Many shippers and brokers also ask for $1 million in liability and $100,000 in cargo coverage. We match your limits to your authority and your contracts.
How much does commercial truck insurance cost?
It depends on your operation: driving records, years in business, the radius you run, what you haul, the value of your equipment and the limits you choose. New authorities and hazmat loads usually cost more. The quickest way to know your price is a quote: we compare 100+ A-rated carriers for you.
Can I get insured with a new authority?
Yes. Many of the carriers we work with write new ventures. Your insurer files proof of coverage with the FMCSA, and we make sure it gets done so your authority can go active.
How fast can I get a certificate of insurance?
Axle clients can create, download and send certificates of insurance online in about 30 seconds, any time of day, from any device. You can also ask our team for one.
Can I pay for my insurance over time?
Yes. With insurance premium financing you can start with as little as 15% down and pay the rest in installments.
What’s the difference between non-trucking liability and bobtail insurance?
Non-trucking liability covers a leased owner-operator using the truck for personal, off-dispatch driving. Bobtail covers driving the tractor without a trailer, which some policies cover even while you’re under dispatch. Your lease agreement usually decides which one you need.
¿Hablan español?
Sí. Our team speaks English and Spanish, so you can handle quotes, policy changes and questions in the language you prefer.
Ready to roll? Get your quote today.
Start online in a few minutes, or talk to a trucking insurance expert.
Mon–Fri, 8:30 a.m.–5:30 p.m. ET. Hablamos español.
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