Michigan Truck Insurance for Business

At Cheap Truck Insurance, we understand the unique trucking requirements of the Great Lakes State. Whether you're navigating Michigan's scenic landscapes or delivering goods to its vibrant cities, we've got your back.

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Overview Michigan Commercial Truck Insurance Quotes

Key Takeaways
  • Lowest Annual Premium (2023): $5,158.00 per truck.
  • Highest Annual Premium (2023): $33,014.00 per truck.
  • Average Annual Premium (2023): $13,793.00 per truck.
  • Down Payment Options: In Michigan, commercial trucking insurance down payment options vary by provider, typically ranging from percentage-based or fixed amount down payments to flexible installment plans, with occasional discounts for full upfront payments.

Essential Coverages Available

  • 1 Primary Liability Insurance
  • 2 Physical Damage Insurance
  • 3 Cargo Insurance
  • 4 Workers’ Compensation

Primary Liability Insurance

Georgia mandates specific liability insurance amounts based on cargo type and geographical operation:

Intrastate Truckers: A minimum coverage of $750,000 is required for general freight operations.

Interstate Truckers: Must adhere to FMCSA requirements, with coverage limits ranging between $750,000 and $1,000,000.

Physical Damage Insurance

This coverage safeguards your truck against damages from accidents, theft, and natural disasters.

Cargo Insurance

Cargo Insurance is essential for protecting the goods you are hauling. This coverage is crucial as it protects against the loss or damage of the cargo that you're transporting.

Workers' Compensation

Workers' Comp coverage is ideal for your trucking business if you employ drivers or other workers. In fact, this coverage is required by law in most cases. It covers medical expenses and lost wages for your employees if they are injured on the job.

Learn More Who are the leading trucking insurance providers in Michigan?

In our dedication to providing the finest trucking insurance solutions in Michigan, we partner with a variety of insurance companies to deliver a spectrum of quotes. Progressive Commercial is notable for its extensive policies, expertly tailored to meet the varied needs of Michigan’s trucking industry. Travelers is also prominent in the region, offering specialized policies for truckers that have become a preferred option for many Michigan-based businesses. Additionally, for those operating larger fleets in Michigan, National Indemnity Company (NICO) presents an extensive range of coverage choices, catering to the more complex requirements of sizable trucking operations.


Get 3+ Michigan Truck Insurance Quotes When We Shop

Don't wait! Secure your Michigan truck's future and savings by reaching out to us. Whether you're a single truck operator or a fleet owner, we have the ideal insurance solution for you.

Cheap truck insurance 3 quotes
Insurance quotes for trucking companies across Michigan

Whether you're hauling cargo through Detroit, Grand Rapids, Lansing, Ann Arbor, Flint, or Traverse City, having the right trucking insurance in Michigan is crucial for your business.

Let us make it easy for you. At CheapTruckInsurance.com, we're here to connect you with knowledgeable insurance agents. We'll help you find up to three agents who can offer affordable and comprehensive coverage tailored to Michigan's legal and liability requirements. This way, you can focus on your trucking business, knowing you're fully protected without overspending.

ADDITIONAL RESOURCES FOR YOU Resources for Michigan Truckers

Stay ahead with access to valuable resources for Michigan:

  1. Michigan Department of Transportation: Stay updated on infrastructure developments and regulations relevant to the trucking industry in Michigan.
  2. Michigan DMV Department of Motor Vehicles: The go-to place for vehicle registration, compliance needs, and other essential services for commercial truckers.
  3. Michigan Trucking Association: An integral platform for advocacy, networking, and insights related to the trucking industry.

Our expansive network proudly serves major cities across Michigan, including Detroit, Grand Rapids, Lansing, and Ann Arbor.

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DISCLAIMER: All information is based on data from 2023 and a sample of 32 trucking companies in Michigan. Rates and offers may vary. Please refer to our full disclaimer for more details.