Michigan Truck Insurance


MI License #: O129870


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Detroit • Grand Rapids • Warren • Ann Arbor • Lansing • Flint • Dearborn • Kalamazoo

Truck Insurance in Michigan

In Michigan, it is required for truck drivers to carry a liability insurance policy. The amounts required vary based on the type of freight you carry, the size of your truck, and whether you are traveling within the state or across state lines.

Here are some of the minimum liability insurance requirements for intrastate drivers:

  • $750,000 for general freight
  • $1,000,000 for oil transport
  • $5,000,000 for hazmat
  • $300,000 for household goods

Interstate truck drivers must follow Michigan laws in addition to the DOT truck insurance requirements from the FMCSA.


Why do I need Michigan Trucking Insurance?


Beyond being a legal requirement, insuring your drivers and trucks protects your finances. If you’re not insured, here’s what you could expect to pay for certain accidents:

  • $91,000: The average cost of all large truck crashes
  • $200,000: The average cost of a crash with injuries
  • $1,000,000+: The potential cost of a crash if fatalities are involved

So, insurance is absolutely necessary to avoid these costs. But as trucking insurance rates are continuing to rise, it’s crucial to know exactly what is required and what your options are.


  • Truck Liability Coverage

    Commercial trucks must have liability coverage in all states. In Michigan, truck drivers and operators are required by law to hold a minimum level of liability insurance. Regardless of the law, liability insurance is there for your own protection. The last thing you want is to be sued and held financially responsible for injury caused to others.

  • Physical Damage Coverage

    Although Physical damage coverage is not required by law, it is still very essential to have. Accidents involving big rigs can get expensive very quickly. According to the FMCSA, “the average cost of all large truck crashes is about $91,000 per crash.” And if the crash results in injuries that average can go up to nearly $200,000. Physical damage coverage protects your trucking business from losses, especially if one of your trucks out of commission due to an accident.

  • Motor Truck Cargo

    For “for-hire truckers” Motor Truck Cargo coverage is necessary to properly insure the commodities they are hauling. It is generally required by the party who owns the cargo that is being transported. Depending on the type of cargo, 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 on I-94. Some carriers will make a long list of exclusions that specifically exclude coverage for certain events, so it is important to understand the fine print on cargo insurance. At TIS, we’ll help you with this.

  • Truckers General Liability

    Truckers GL is designed to protect your business from damage that might occur when you are not behind the wheel of your truck.


Why Should I use an Independent Insurance Agent?

Find Insurance Programs Specific to Your Needs

Michigan trucking laws and requirements are a lot to keep track of. We’re here to make it easier on you. We can help you find an insurance program that keeps you prepared in case of emergency, enables you to stay compliant, and is tailored for anything else you may need.

The TIS team provides market access to numerous specialty truck insurance programs to meet your specific needs. As experts in the trucking industry, we can save you both time and money because instead of looking for better insurance, you will be able to focus on driving profit. These are some of the areas we specialize in:

Instant Certificates of Insurance with our Mobile App

Emergencies rarely happen when it’s convenient. That’s why we have our mobile app, with which you can pull up your certificate of insurance any time, day or night. Instead of waiting for your insurance agent to call you back as you’re dealing with an accident in the middle of the night, you can just call on us, and we’re ready to help.

Get Assistance with your Michigan Truck Permits & Filings

Another thing that’s rarely convenient? Staying compliant. But it’s vital, so TIS agents can help you make sure all of your permits are up to date. We are constantly watching the ever-changing system for updates to keep your permits up to date and keep you informed of all changes made to laws and regulations. Our permit department is comfortable with all things Michigan truck insurance, so you don’t have to worry about it.

TIS is an independent brokerage with access to almost every carrier. No matter what kind of truck you’re driving, we can match you with the right carrier for your business. Contact us today to learn more.


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From the very first call 'til the end, Lisa Wright has been very polite, clear, and responsive. She was always fast with answers to my questions and even with so many sudden changes and requests along the way, she helped out without any delays. The fast process couldn’t have been achieved if it wasn’t for her and I’m really thankful for all her help. Lisa will be the go-to for the quotes!
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Friendly and personable. Listened to what I was looking for and even got me a rate cheaper then I anticipated!
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Representative very helpful. Follow ups provided until situation resolved. Thanks for everything 👍🏽
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