Are you looking for an Alabama Commercial Truck Insurance Quote? Don’t get 1 quote, 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 Alabama 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 AL. Easy!
How Much Does Truck Insurance Cost In Alabama?
The average cost for commercial truck insurance in AL is $15,610.
Most premiums range from $9,941 to $15,364.
These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are lots of things that influence 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 AL
1 Truck Based in Robertsdale
| Experience | Over 3 Years |
|---|---|
| Radius | Interstate, Below 500 Miles |
| Cargo | General Freight |
| Operation | For Hire |
| Premium | $12,938/yr |
1 Truck Based in Birmingham
| Experience | New Venture |
|---|---|
| Radius | Interstate, Below 500 Miles |
| Cargo | General Freight |
| Operation | For Hire |
| Premium | $15,155/yr |
The most important factor for what you will pay is the insurance company that you choose. For truck insurance, it’s common 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.
It’s a good idea to shop the market. 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 Alabama
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 AL. The agents, like alpha-rams, will lock horns 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 Alabama
Finding the best trucking insurance company in AL for your business can save you a lot of money. Some of the companies with the best prices can be difficult to find though.
The companies below write 91% of the truck insurance polices in AL.
Top 10 Truck Insurance Companies in AL
- Auto Owners
- Berkshire
- Canal
- Great West
- Integon / National General
- Lancer
- National Casualty Company
- National Indemnity
- OOIDA
- Progressive
There are also over a dozen truck insurance carriers in AL that have the remaining 9% marketshare.
You do have choices when it comes to insuring your truck and we can help you. It’s just a matter of smart comparison shopping to get the best deal.
Compare quotes from different companies here.
Trucking Ins. Coverages
Alabama 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.
Alabama Truck Insurance Requirements
Alabama state law requires local truck drivers and new ventures to have a certain amount of liability insurance. How much you need depends on the type of freight you haul and where you haul it. If you don’t cross state lines and your truck is over 10,000 GVW, you must get an intrastate only USDOT Number and be insured up to the following levels:
| $1,000,000 | Liability Insurance (Oil Transport) |
| $5,000,000 | Liability Insurance (Hazmat) |
| $300,000 | Liability Insurance (Household Goods) |
| $750,000 | Liability Insurance (General Freight) |
| $5,000/vehicle and $5,000/catastrophe | Cargo Insurance (Intrastate Carriers) |
The insurance requirements for truck drivers who leave the state are more rigorous. In addition to the above, you must comply with all the semi truck insurance requirements laid out by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.
Both Alabama and the USDOT require certain filings be submitted by your insurance agent. Your insurance agent or insurance company should take care of these filings for you. These forms show the government that all your DOT truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:
- The BMC-91
- Form MCS-90
- Form E
- Form H
Specialized Insurance for Owner Operators in Alabama
No matter what type of operation you’re running, we have you covered. Our agents can find cheap truck insurance for all of the following operation types:
Handy Alabama Trucking Resources
ALDOT Alabama department of Transportation
ALDMV Alabama department of Motor Vehicles
Alabama Department of Insurance
Your Operation is Unique
You might be a local or long hauler. You may be an owner operator from Montgomery or a fleet manager in Mobile. Perhaps you haul hazardous materials or chickens. No two trucking companies are the same, so your insurance policies need to be tailored to you. The bottom line is you want cheap truck insurance without sacrificing coverage.
Whether you are driving in the hammer lane in the Yellowhammer State, or are relaxing with the family at the Birmingham Zoo, you will rest easy knowing that you are getting the best deal on your truck insurance.
Get 3 Competitive quotes in all Alabama cities
No matter what city you live in our network of Kansas truck insurance brokers are ready to give you a quote. We cover all cities including…
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