California Truck Insurance


CA License #: 0I96350


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Los Angeles • Orange County • Inland Empire
San Diego • Fresno • Sacramento • Oakland

California Commercial Truck Insurance

To keep your trucks on the road and turning you a profit, you need several things: qualified drivers, well-tuned vehicles, and insurance protecting them both. With rising insurance rates, finding the right California truck insurance can be daunting. But it’s no less important now than before; according to the FMCSA, in 2018, the “number of large trucks and buses in fatal crashes . . . increased by 48 percent from its low of 3,432 in 2009.” So it’s not a matter of whether or not you should be insured, but how to find the best value for your money while keeping you and yours protected on the road.

While insurance is vital no matter where you drive, every state has its own special considerations. Let’s review why you need California truck insurance and why you should use an independent insurance agency when protecting your commercial trucks.


Why do I need California Trucking Insurance?


  • Truck Liability Coverage

    Whether you drive local or long haul in California, or any state, you must carry liability coverage. In California, truck drivers and businesses are required by law to hold a minimum level of liability insurance, determined by what you haul and where. For example, if your truck doesn’t cross state lines and is over 10,000 GVW, you are required to acquire a CA Intrastate ID Number and be insured. Regardless of the law, liability insurance is there for your own protection. The last thing you want is to be left alone to foot the bill for your legal defense if you’re sued following an accident.

  • Physical Damage Coverage

    Unlike liability coverage, physical damage coverage is not required by law. However, it’s no less essential. By their nature, accidents involving trucks get expensive quickly. According to the FMCSA, “the average cost of all large truck crashes is about $91,000 per crash.” That average goes up to nearly $200,000 when the crash results in injuries. But physical damage coverage protects you from losses, especially when a truck is put out of commission.

  • Motor Truck Cargo

    Motor Truck Cargo insurance is needed by For-hire truckers to properly cover the commodities they are hauling. It is is generally required by the party who owns the product being transported. Depending on the cargo that is in transport by your big rig, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of ice cream when the reefer unit breaks down in the Mojave Desert. Of any line of 18-wheeler insurance, cargo insurance is the one you need to understand and pay attention to the most. You usually get what you pay for, and some carriers will make a long list of exclusions that specifically exclude coverage for certain events.

  • Truckers General Liability

    This coverage can be a bit more confusing, but here is the simplest way to understand it. Truckers GL is designed to protect your business from damage that might occur when you are not behind the wheel of your truck. Your auto liability coverage would cover your business when you are driving. If you have other aspects to your business such as a quarry or a consolidation warehouse, you will need a more robust general liability insurance policy that considers exposures outside the realm of trucking.


Why Should I use a California Insurance Agent?

CA Truck Insurance Programs Specific to Your Needs

Rather than try to make a generic insurance policy fit your specific needs, find a program that already caters to the types of trucks your business uses. For example, TIS specializes in the trucking niche and provides market access to numerous California commercial truck insurance programs, including markets for the following types of operations:

Instant Certificates of Insurance with the TIS Mobile App

No one wants to find themselves at 6AM waiting for their agent to send over a certificate of insurance before you can pick up a load. You want to know that if you ever need to prove you are insured that you’ll have the tools needed to get the help you need instantly.  For our part, TIS is available 24/7 to issue your certificates of insurance through the TIS mobile app or our TIS 24/7 website. Regardless of where you or your drivers may go, we’re right there with you for every mile of your journey.

Get Assistance with your California Truck Permits & Filings

With so many laws and regulations, ensuring you stay compliant can be tricky—but not staying compliant can be expensive. In 2018, the California Air Resources Board fined Roadrunner Transportation Systems and Marten Logistic $52,000 and $100,000 respectively for “not verifying that each truck hired or dispatched was compliant with California.”

The right agent won’t only make sure you’re insured but will also help you keep all of your permits up to date. At TIS, our permits department is well versed in all of the permits and regulations in California, and we are constantly watching the everchanging system for updates that might trip you up. We ensure our clients have all of the required California truck permits to keep driving in and out of the state. Our permits department strives to keep you informed of all changes made to laws and regulations in California.

Commercial Transportation & Truck Insurance in 48 States

As a California based independent brokerage, TIS has access to nearly every "A rated" insurance carrier under the sun. No matter what kind of truck you’re driving, we can partner you with the carrier right for your trucking business. Not in California? No problem! TIS offers a wide array of truck insurance products in surrounding states including Arizona, Nevada and Oregon. Contact us today to learn more.


California Truck Insurance Quote

Here is what Our Happy Customers have to say


Lisamarie was fantastic. I was under the gun getting my commercial truck insurance and she was able to get me a great policy with time to spare. She answered all of my questions, regardless of how dumb, quickly and professionally. I will continue to work with Lisamarie as my trucking business grows. If she ever decides to leave The Insurance Store I will more than likely take my business with her.
Jay Gainey

My first year in business has been a roller coaster but I am apart of an trucking community where we discuss industry news, updates and share resources. With that being said my insurance has been the biggest expense of my new business and during one our calls someone mentioned Mohave Insurance program so of course as I keep striving to improve overhead and shrinkage in my business I reached out and Kelli Clerisse answered my inquiry and shall we say the rest is history. My previous insurance coverage was coming to an end and the quote I received from The Insurance Store and I couldn't believe my eyes the down payment for 2 trucks was lower than it was for my first truck and the monthly payment the same lower and did I say on TWO TRUCKS!!! they are a game and I recommend TIS for all industry newbies!!!!!
Corey Bryant

Selene did outstanding work for me. I went from having a massive insurance renewal rate that would just about put me out of business and signing on with Selene and she got my rates dropped big time. Now with the rates she got me, my company can continue to move forward and build it as a family trucking company.
Don J.