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New Hampshire Commercial Truck Insurance

by Fred Podris. Updated on Dec 15, 2023

Compare New Hampshire Commercial Truck Insurance

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New Hampshire Commercial Truck Insurance

Are you tracking down a Commercial Truck Insurance Quote in New Hampshire? Don’t get 1 quote, get 3!

Compare Truck Insurance Quotes

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

Fill out one quick online form and you’ll get three competitive quotes from three top agents in NH. Simple!

NE Trucking Insurance Quotes

How Much Does Truck Insurance Cost In New Hampshire?

The average cost for commercial truck insurance in NH is $13,792.

Most premiums range from $11,037 to $15,071.

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

An Example Of Truck Insurance Costs In NH

1 Truck Based in Claremont

ExperienceOver 3 Years
RadiusInterstate, Below 500 Miles
CargoLogs
OperationExempt For Hire
Premium$18,268/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.

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 New Hampshire

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 NH. 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 New Hampshire

Finding the best trucking insurance company in NH for your operation can save you a lot of money. Some of the insurance providers with the best premiums can be difficult to find though.

The companies below write 79% of the truck insurance polices in NH.

Top 10 Truck Insurance Companies in NH

  • Acadia
  • Donegal Insurance Group
  • Frankenmuth Insurance
  • Great West
  • Liberty Mutual
  • National Casualty Company
  • National Indemnity
  • Northland
  • Progressive
  • Safety Insurance Company

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The NH 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 NH that have the remaining 21% 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 price.

Compare quotes from different companies here.

Trucking Ins. Coverages

New Hampshire Commercial Truck InsuranceNew Hampshire 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

New Hampshire Truck Insurance Requirements

New Hampshire law requires local truck drivers and new ventures to have a minimum amount of liability insurance. The amount you need depends on the type of freight you transport and where you transport it. If you don’t take your truck out of state, you must 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 (General Freight)
$5,000/vehicle and $10,000/catastropheCargo Insurance (Intrastate household goods movers and interstate contract carriers)

The insurance requirements for truck drivers who leave the state ask a little more. You must meet the above, and you must meet all the DOT truck insurance requirements laid out by the FMCSA. Typical federal liability limits are $750,000 or $1,000,000.

Both New Hampshire and the US Department of Transportation require certain filings be submitted by your insurance agent. Your insurance company knows which forms to send, and they’ll do all the filing for you. These forms let the government know that all your semi truck insurance requirements are fulfilled. They must be received before your authority can be processed. Some common forms include:

  • The BMC-96
  • Form MCS-95

Specific Insurance for Owner Operators in New Hampshire

Whatever kind of truck you drive, we have you covered. Our agents have access to cheap truck insurance for all of the following operation types:

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

Handy New Hampshire Trucking Resources

New Hampshire State FlagNew Hampshire Department of Transportation

New Hampshire Department of Motor Vehicles

New Hampshire Motor Transport Association

New Hampshire Department of Insurance

Your Truck Company is Unique

You may be a local or long hauler. You might be an owner operator from Manchester hauling hay. Or a manager of a fleet in Nashua hauling hazardous materials. 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 operation. The bottom line is that you want cheap truck insurance without sacrificing coverage.

Get 3 Competitive quotes in all New Hampshire cities

No matter what city you live in our network of New Hampshire 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…

  • Manchester
  • Nashua
  • Concord
  • Dover
  • Rochester
  • Salem
  • Merrimack
  • Keene
  • Derrry
  • Bedford
  • Portsmouth
  • Goffstown
  • Laconia
  • Windham
  • Claremont
  • Lebanon
  • Pelham
  • Amherst
  • Somersworth
  • Londonderry

We also can give you multiple quotes in the nearby states as well: VT, ME, NJ, NY
Get on the Road to Easy Truck Insurance Savings

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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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