Trucking Insurance

DOT-compliant coverage for owner-operators, fleets, and motor carriers.

Trucking Insurance across the Southwest

Trucking insurance from ProRisk covers the truck, the trailer, the driver, and the load. We file your MCS-90, post your filings with the FMCSA, and keep your authority active so you can keep moving freight. Whether you’re a single-truck owner-operator or a 50-power-unit fleet, we build the policy around your operation — not the other way around.

What Trucking Insurance Covers

Primary Liability

Federally required coverage that pays for damage and injuries you cause to others. Minimum $750K, $1M for most shippers and brokers.

Physical Damage

Covers your truck and trailer for collision, theft, fire, and vandalism — required if the truck is financed.

Motor Truck Cargo

Pays to replace freight that is damaged, lost, or stolen while in your care, custody, and control.

Non-Trucking Liability

Bobtail coverage for when you’re driving the truck without a load and not under dispatch.

General Liability

Protects you off the truck — at the terminal, the shipper, the receiver, or your shop.

Trailer Interchange

Required by most brokers and carriers when you’re hauling a trailer that doesn’t belong to you.

Who We Insure

Owner-OperatorsSmall FleetsHot Shot TruckingBox TrucksDump TrucksTow TrucksReefer CarriersFlatbed CarriersAuto HaulersTankersIntermodalLast-Mile Delivery

Why AZ, CA, NV & TX Businesses Choose ProRisk

FMCSA Filings Done For You

We file your BMC-91, MCS-90, and state filings the same day your policy binds.

New Authority Welcome

Most carriers refuse new MC numbers. We write them every day — first-year, no CDL history, all of it.

Multi-State Operating Authority

Run loads across AZ, CA, NV, and TX without juggling four different agents.

Same-Day Certificates

COIs and filings issued in hours so you can pick up the load tomorrow.

Get Covered in 3 Simple Steps

Our streamlined process makes getting business insurance fast, easy, and affordable

01Step 01

Tell Us About Your Business

Share some basic information about your business, industry, and coverage needs. Our smart form makes it quick and easy.

Quick 5-minute form

Industry-specific questions

No hidden requirements

02Step 02

Get Instant Quotes

Our system instantly compares rates from top insurers to find you the best coverage at competitive prices.

Multiple carrier quotes

Instant price comparison

Transparent pricing

03Step 03

Get Covered Today

Choose your preferred coverage, complete the application, and get your policy documents instantly. It’s that simple.

Instant policy documents

Digital certificates

24/7 support

Fast & Easy

Get covered in minutes, not weeks

Best Rates

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Expert Support

24/7 customer service team

Start Your Quote Now

Trucking Insurance FAQs

How much does trucking insurance cost?

New-authority owner-operators typically pay $9,000–$16,000/year for full coverage (liability + physical damage + cargo). Established fleets with clean MVRs pay much less per unit.

Do you write new authority?

Yes. We write brand-new MC numbers with no prior insurance history — most carriers will not.

What is an MCS-90?

It is a federal endorsement that guarantees the FMCSA you’ll pay for accidents involving the public, even if your policy would not normally respond. Required for interstate motor carriers.

Can I get coverage today?

Yes. If we have your MC number, VIN, driver MVR, and a down payment, most policies bind same-day.

Get Trucking Insurance by State

Trucking Insurance Overview Trucking Insurance California Trucking Insurance Arizona Trucking Insurance Nevada Trucking Insurance Texas

Other Coverage

Contractors Insurance Small Business Insurance Cyber Liability Insurance

Get Your Free Quote

Get your personalized quote in under 24 hours. Our licensed insurance specialists will review your needs and connect you with top-rated carriers offering competitive rates.