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California Commercial Truck Insurance: Cost & Quotes From $39/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. What is California Commercial Truck Insurance?2. Commercial Truck Insurance Requirements in California2.1. Commercial Truck Insurance in Los Angeles County2.2. Truck Insurance Fontana, CA2.3. Commercial Truck Insurance Fresno CA2.4. Commercial Truck Insurance in Stockton CA2.5. Commercial Truck Insurance Sacramento2.6. Truck insurance in San Francisco2.7. Commercial Truck Insurance in San Diego County3. Commercial Truck General Liability Insurance in California3.1. What Does General Liability Insurance Cover for Commercial Trucks in California?3.2. In What Situations Can You Use General Liability Insurance?4. Commercial Auto Insurance for Commercial Trucks in California4.1. Medical Payments Insurance4.2. Collision Insurance4.3. Comprehensive Insurance4.4. Non-Owned/ Hired Auto Liability4.5. Uninsured/Underinsured Motorist Insurance4.6. Cargo Insurance5. Non-Trucking Liability Insurance and Bobtail Insurance for Commercial Trucks in California5.1. Is Non-Trucking Liability Compulsory for Commercial Truck Drivers in California?6. Transportation Pollution Liability Insurance for Commercial Trucks in California7. Trailer Interchange Insurance for Commercial Trucks in California7.1. Why Do You Need Trailer Interchange Insurance?8. California Commercial Truck Insurance Cost9. Best California Commercial Truck Insurance Companies9.1. NEXT 9.1.1. Pros9.1.2. Cons9.2. CoverWallet 9.2.1. Pros9.2.2. Cons9.3. The Hartford 9.3.1. Pros9.3.2. Co ns 9.4. Tivly 9.4.1. Pros9.4.2. Cons9.5. Thimble 9.5.1. Pros9.5.2. Cons9.6. Hiscox 9.6.1. Pros9.6.2. Cons9.7. Big Rig Insurance California 9.7.1. Pros9.7.2. Cons9.8. Network Truck Insurance 9.8.1. Pros9.8.2. Cons10. Conclusion

Large commercial truck accidents can cause injuries and fatalities. Insurance help to cover the costs associated with these incidents. You want to approach trucking insurance companies in California to enjoy protection. Commercial truck insurance can help cover the cost of repairing your box truck. You can even use this to cover accidents and fatalities caused by your tractor-trailer. Here’s a guide that tackle all you need to know about California commercial truck insurance. 

What is California Commercial Truck Insurance?

If you are considering venturing into business, investing in a fleet of commercial vehicles is important. However, truck drivers are susceptible to various factors that may compromise road safety, such as blind spots, massive size, and instability. Thus you need a truck insurance in semi truck and other transportation vehicles to mitigate such risks.

The trucking insurance in California is designed to cover liabilities, damages to cargo or property, or any accident. You need to consider the type of business you are operating when securing a trucking insurance in California. The following are the most useful types of coverage included:

  • Commercial auto Insurance

  • Motor truck general liability insurance

  • Non-trucking liability insurance

  • Bobtail insurance

  • Transportation pollution liability insurance

  • Trailer interchange insurance


Commercial Truck Insurance Requirements in California

California law requires all vehicles on the roadways to have a valid insurance policy. Here we are going to discuss the needs of some commercial truck insurance requirements of the counties in California:

Commercial Truck Insurance in Los Angeles County

A distinct class of commercial trucks is required to register with the Department of Transportation. If your track falls in any of the following classes, you must obtain a DOT number:

  • Has a weight above 10,000 Ibs

  • Transports 8 passengers and above for compensation

  • Transports hazardous materials

  • Designed to carry more than 15 passengers either for money or not


Before obtaining a DOT number, you must have a commercial truck insurance in los angeles county. Ideally you need to have a liability coverage of $750,000-$1,000,000, cargo insurance of $5,000 and $10,000 for theft or accident. However, the specific amount of your commercial truck insurance in los angeles ca depends on the nature of the products you intend to transport and where you want to take them.


Truck Insurance Fontana, CA

In Fontana, CA, the truck insurance requirements vary depending on the type and use of your truck. But some stipulated minimum insurance requirements exist to operate a commercial vehicle legally. You must have liability, cargo, and physical damage coverage. 


Commercial Truck Insurance Fresno CA

Like any other county in California, you must undertake an insurance policy for your commercial vehicles. The rate you incur depends on the coverage requirements, payment plan, operating radius, fleet's value, and driver's CDL experience and age, among others.


Commercial Truck Insurance in Stockton CA

The State of California, in collaboration with The FMCSA, has specific insurance requirements all truckers need to meet. It would be best to have a general liability insurance worth $750,000. To be safe, other coverages, such as general liability, are also great. Other requirements  regarding risks unique to you are as follows: 

  • $5,000,000 hazmat liability insurance

  • $300,000 household goods liability insurance

  • $1,000,000 oil transport liability insurance


Commercial Truck Insurance Sacramento

As for the requirements regarding commercial truck insurance in Sacramento CA,  all trucks used for transportation must conform with the minimum $750,000 general freight liability coverage. Other requirements to be followed regarding risks unique to you are as follows:

  • $5,000,000 hazmat liability insurance

  • $300,000 household goods liability insurance

  • $1,000,000 oil transport liability insurance


Truck insurance in San Francisco

Truck insurance in San Francisco is similar to Los Angeles County. All commercial vehicles should have a minimum coverage of $750,000. Other requirements  regarding risks unique to you are as follows:

  • $5,000,000 hazmat liability insurance

  • $300,000 household goods liability insurance

  • $1,000,000 oil transport liability insurance


Commercial Truck Insurance in San Diego County

Requirements for commercial truck insurance in San Diego state that the minimum liability insurance requirement for commercial vehicles is $750,000. In addition to liability insurance, it is essential to have cargo insurance to secure your goods while in transit and physical damage insurance to cover any damage to your truck. Workers' compensation insurance is also required for employees who operate or labor around commercial vehicles. It is best to compare various insurance providers to find the best coverage and rates for your particular requirements.