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Kansas Commercial Truck Insurance

by Fred Podris. Updated on Dec 15, 2023

Compare Kansas Commercial Truck Insurance

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Kansas Commercial Truck Insurance

Are you looking for a Commercial Truck Insurance Quote in Kansas? Don’t get just 1 quote, get 3!

Compare Kansas Truck Insurance Quotes

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

Fill out our short online form and you’ll get three competitive quotes from three top agents in KS. Simple!

KS Trucking Insurance Quotes

How Much Does Truck Insurance Cost In Kansas?

The average cost for commercial truck insurance in KS is $15,670.

Most premiums range from $14,009 to $15,428.

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 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 KS

1 Truck Based in Olathe

ExperienceOver 3 Years
RadiusInterstate, Unlimited Miles
CargoGeneral Freight, Produce, Meat, Refrigerated Food
OperationFor Hire
Premium$14,009/yr

1 Truck Based in Shawnee

ExperienceNew Venture
RadiusInterstate, Unlimited Miles
CargoGeneral Freight, Motor Vehicles
OperationFor Hire
Premium$15,428/yr

Maybe the biggest 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! We’ve seen differences that 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 makes sense to compare prices. 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 Kansas

You need agents that specialize in truck insurance to get the right coverage at the best rate, and that is exactly what we’ll bring you.

We’ve done the hard work for you and located three of the best truck insurance agents in KS. The agents, like alpha-rams, will lock horns in their battle to write your policy, but only one will emerge the winner.  By having three agents quote your policy you will have much broader access to the whole market of truck insurance companies.

With three extremely competitive quotes to choose from, you will be able to quickly find the best policy at the best price. 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 Kansas

Finding the best trucking insurance company in KS for your business can result in huge savings. Some of the insurance providers with the best prices can be hard to find though.

The companies below write 86% of the truck insurance polices in KS.

Top 10 Truck Insurance Companies in KS

  • Berkshire
  • Canal
  • Farm Bureau
  • Great West
  • IAT Insurance Group
  • National Indemnity
  • Northland
  • OOIDA
  • Progressive
  • Sentry

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The KS 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 KS that have the remaining 14% 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 premium.

Compare quotes from different companies here.

Trucking Ins. Coverages

Kansas Commercial Truck InsuranceKansas 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 and Non Trucking Liability Insurance
  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella Policy

Kansas Truck Insurance Requirements

Kansas state law asks local truckers and new ventures to keep a minimum amount of liability insurance. The amount you need depends on the type of freight you pull and where you pull it. If you never leave the state and your truck is more than 10,000 GVW, you must get an intrastate only USDOT Number and maintain a minium level of insurance:

$5,000,000Liability Insurance (Hazmat)
$300,000Liability Insurance (Household Goods)
$750,000Liability Insurance (General Freight)
$1,000,000Liability Insurance (Oil Transport)
$3,000/vehicleCargo Insurance (All carriers)

The insurance requirements for truck drivers who travel out-of-state are a little different. You must meet the above, and you must comply with all the DOT truck insurance requirements recommended by the federal government. Typical federal liability limits are $750,000 or $1,000,000.

Both Kansas and the FMCSA require certain filings be submitted by your insurance agent. Your agent or insurance company will prepare these filings for you. These forms tell 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:

  • The BMC-94
  • Form MCS-93
  • Form E
  • Form H

Specialized Insurance for Owner/Operators in Kansas

Whatever type of operation you’re running, we can help. Our agents have access to cheap truck insurance for all of the following operation types:

  • Intermodal Truck
  • Refrigerated Truck
  • Flat Bed Truck
  • Log Truck
  • Livestock Hauler
  • New Entrant
  • Hazmat Hauler
  • Hot Shot Truck
  • Less Than Truckload
  • Auto Hauler

Handy Kansas Trucking Resources

Kansas Department of TransportationKS State Flag

Kansas Department of Motor Vehicles

Kansas Motor Carriers Association

Kansas Department of Insurance

Your Operation is Unique

You may be a local or long hauler. You might be an owner operator from Wichita or a manager in charge of a fleet. You maybe haul hazardous materials or potatoes.  No two trucking operations are identical, so your insurance policies need to be tailored to you.

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 Kansas cities

No matter what city you live in our network of Kansas truck insurance brokers are ready to give you a quote. We help truckers save on insurance. That’s all we do. We cover all cities including…

  • Wichita
  • Overland Park
  • Kansas City
  • Topeka
  • Olathe
  • Lawrence
  • Shawnee
  • Manhattan
  • Lenexa
  • Salina
  • Hutchinson
  • Leavenworth
  • Leawood
  • Dodge City 
  • Garden City
  • Emporia
  • Junction City
  • Derby
  • Prairie Village
  • Liberal

We also can give you multiple quotes in the neighboring states as well: NE, MO, CO, OK

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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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