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Wisconsin Commercial Truck Insurance

by Fred Podris. Updated on Dec 15, 2023

Compare Wisconsin Commercial Truck Insurance

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Wisconsin Commercial Truck Insurance

Are you looking for a Wisconsin Commercial Truck Insurance Quote? Why not get 3?

Compare Truck Insurance Quotes

To get the best deal on your semi truck insurance you need to shop around. Let us help by bringing you three Wisconsin Truck Insurance Agents that will compete for your business.

Just fill out our short online form and you’ll get three competitive quotes from three top agents in WI. Easy!

WI Trucking Insurance Quotes

How Much Does Truck Insurance Cost In Wisconsin?

The average cost for commercial truck insurance in WI is $13,609.

Most premiums range from $9,806 to $12,470.

These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are many factors that drive the cost such as: what you are hauling, your driving history, and how long you have been in business.

2 Real Examples Of Truck Insurance Costs In WI

1 Truck Based in Hartford

ExperienceNew Venture
RadiusInterstate, Unlimited Miles
CargoGeneral Freight
OperationFor Hire
Premium$9,806/yr

1 Truck Based in Milwaukee

ExperienceNew Venture
RadiusInterstate, Unlimited Miles
CargoGeneral Freight, Dry Bulk, Beverages, Paper Products
OperationFor Hire
Premium$12,185/yr

Perhaps the largest variable for what you will pay is the insurance company that you choose. For truck insurance, it’s the norm for prices to vary by thousands of dollars for the same trucker! Sometimes the difference can even be over $10,000 for the same operation.

You can’t control how long you’ve been in business, but you can control what insurance company you choose.

So it really pays to shop around. Our service makes it easy to get quotes from different companies, so you can zero in on the best coverage and cost combination for your trucking business. Compare quotes and lower your insurance costs here.

3 Truck Insurance Agents in Wisconsin

You need agents that specialize in truck insurance to get the right coverage at the best rate.

We’ve done the hard work for you and located three of the best truck insurance agents in WI. The agents, like prize figheters, will duke it out in their battle to write your policy, but only one will emerge the winner.  With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies.

Shopping for truck insurance has never been this easy or efficient. Don’t waste your time hunting down three agents. Let them come to you. Let’s get started!

Commercial Truck Insurance Companies in Wisconsin

Finding the best trucking insurance company in WI for your outfit can save you a lot of money. Some of the companies with the best prices can be hard to find though.

The companies below write 82% of the truck insurance polices in WI.

Top 10 Truck Insurance Companies in WI

  • Acuity
  • Auto Owners
  • Great West
  • National Indemnity
  • Northland
  • Progressive
  • Secura Insurance
  • Sentry
  • West Bend Mutual
  • Western National Insurance

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The WI truck insurance carriers listed above are based on their market share for 1-truck, interstate operations.

There are also over a dozen truck insurance carriers in WI that have the remaining 18% marketshare.

You do have choices when it comes to your insurance and we can help you. It’s just a matter of smart comparison shopping to get the best price.

Compare quotes from different companies here.

Trucking Ins. Coverages

Semi truck insurance in WisconsinWisconsin and the FMCSA have specific insurance requirements for semis. Some coverages are mandatory, like primary liability. Others, such as physical damage truck insurance and bobtail coverage, are just smart to have.

No matter what type of coverage your operation needs, you’ll get quotes from three truck insurance brokers. Click on a coverage below to learn more about it, then fill out our short form to get your quotes.

  • Primary Liability
  • General Liability
  • Physical Damage
  • Motor Truck Cargo
  • Bobtail Insurance
  • Non Trucking Liability Insurance
  • Trailer Interchange
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella Policy

Wisconsin Truck Insurance Requirements

Wisconsin law requires local truck drivers and new ventures to maintain a certain amount of liability insurance. The amount you need depends on the type of freight you carry and where you pull it. If you don’t leave the state and your truck is more than 10,000 GVW, you must get an intrastate only USDOT Number and be insured up to the following levels:

$1,000,000Liability Insurance (Oil Transport)
$5,000,000Liability Insurance (Hazmat)
$300,000Liability Insurance (Household Goods)
$750,000Liability Insurance (Household Goods)

The insurance requirements for truck drivers who drive out of their state are more rigorous. In addition to the above, you must comply with all the DOT truck insurance requirements laid out by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.

Both Wisconsin and the US DOT require certain filings be submitted by your insurance agent. Your agent or insurance company will prepare these filings for you. These forms show the government that all your semi truck insurance requirements are fulfilled. They must be filed before you can get your authority. Some common forms include:

  • Form E
  • Form H
  • The BMC-100
  • Form MCS-99

Specialized Insurance for Owner-Operators in Wisconsin

Whatever kind of truck you drive, we’ve got your back. Our agents can find cheap truck insurance for all of the following operation types:

  • Hazmat Hauling
  • Hot Shot Trucking
  • Less Than Truckload
  • Auto Hauling
  • Intermodal Trucking
  • Refrigerated Trucking
  • Flatbed Trucking
  • Log Trucking
  • Livestock Hauling
  • New Venture

Handy Wisconsin Trucking Resources

Wisconsin State FlagWisconsin Department of Transportation

Wisconsin Department of Motor Vehicles

Wisconsin Motor Carriers Association

Wisconsin Department of Insurance

Your Operation is Unique

You might be a local or long hauler. You may be an owner operator from Milwaukee or a fleet manager in Madison. Maybe you haul hazardous materials or cranberries. No two trucking companies are alike, so your insurance policies need to be crafted just for you. The bottom line is you want cheap truck insurance without sacrificing coverage.

Since different truck insurance companies prefer different types of risks, it’s smart to shop around and find a company that is competitive with writing insurance for your specific situation. The bottom line is that you want cheap truck insurance without sacrificing coverage.

Get 3 Competitive quotes in all Wisconsin cities

No matter what city you live in our network of Wisconsin insurance agents are ready to give you a quote. We cover all cities including…

  • Milwaukee
  • Madison
  • Green Bay
  • Kenosha
  • Racine
  • Appleton
  • Waukesha
  • Oshkosh
  • Eau Claire
  • Janesville
  • West Allis
  • La Crosse
  • Sheboygan
  • Wauwatosa
  • Fond du Lac
  • New Berlin
  • Wausau
  • Brookfield
  • Beloit
  • Franklin

We also can give you multiple quotes in the neighboring states as well: MI, IN, IL, IA, MN

SemiTruckInsuranceSavings

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Disclaimer: Commercial Truck Quotes LLC is a nationally licensed insurance agency and has created the content of this website with the aim to provide you the most up to date and accurate information possible. This information, however, does not come with any warranty, and should not be received as personal financial advice. Insurance terminology varies from state to state. Your coverages and how they are governed are decided by the language in your insurance policy.
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