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North Dakota Commercial Truck Insurance

by Fred Podris. Updated on Dec 15, 2023

Compare North Dakota Commercial Truck Insurance

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North Dakota Commercial Truck Insurance

Are you looking for a North Dakota Commercial Truck Insurance Quote? How about 3 quotes?

Compare Truck Insurance Quotes

To get the best price on your semi truck insurance you need to shop around. Let us help by bringing you three North Dakota 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 ND. Easy!

ND Trucking Insurance Quotes

How Much Does Truck Insurance Cost In North Dakota?

The average cost for commercial truck insurance in ND is $14,355.

Most premiums range from $11,844 to $16,866.

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 ND

1 Truck Based in Watford City

ExperienceNew Venture
RadiusIntrastate
CargoOilfield Equipment
OperationFor Hire
Premium$11,844/yr

1 Truck Based in Fargo

ExperienceNew Venture
RadiusInterstate, Unlimited Miles
CargoGeneral Freight, Produce
OperationFor Hire
Premium$16,866/yr

The most important factor 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! 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.

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 North Dakota

You need to find agents that specialize in truck insurance to get the right coverage at the best price. We’ve done that and found three of the best truck insurance agents in ND. With three agents quoting your policy you will have much broader access to the entire market of truck insurance companies. The agents will work hard to earn your business, but only one will become the winner.

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

Commercial Truck Insurance Companies in North Dakota

Finding the best trucking insurance company in ND for your business can result in huge savings. Some of the companies with the best prices can be difficult to find though.

The companies below write 93% of the truck insurance polices in ND.

Top 10 Truck Insurance Companies in ND

  • Acuity
  • Aegis
  • Auto Owners
  • Great American
  • Great West
  • National Casualty Company
  • National Indemnity
  • Northland
  • Progressive
  • Western National Insurance

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The ND 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 ND that have the remaining 7% 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

North Dakota Commercial Truck InsuranceNorth Dakota and the FMCSA have specific insurance requirements for semis. If you have your own authority, some coverages are mandatory, like primary liability. If you are leased to a motor carrier, you may be looking for physical damage truck insurance, bobtail coverage, and non trucking liability.

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

North Dakota Truck Insurance Requirements

North Dakota law asks local truck drivers and new ventures to keep a certain amount of liability insurance. How much you need is determined by the type of freight you haul and where you transport it. If you never cross state lines, you must have a minimum amount of insurance:

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

The insurance requirements for truck drivers who cross state lines are more rigorous. You must meet the above, and you must be in compliance with all the semi truck insurance requirements recommended by the FMCSA. Most federal liability limits are $750,000 or $1,000,000.

Both North Dakota and the USDOT 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 inform 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:

  • Form H
  • The BMC-97
  • Form MCS-96

Specialized Insurance for Owner/Operators in North Dakota

Whatever type of operation you have, we can help. Our agents can find cheap truck insurance for all of the following operation types:

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

Handy North Dakota Trucking Resources

North Dakota State FlagNorth Dakota Department of Transportation

North Dakota Department of Motor Vehicles

North Dakota Motor Carriers Association

North DakotaDepartment of Insurance

Your Operation is Unique

You might be a local or a long hauler. Maybe you’re a new venture or a hotshot. You could be a leased owner operator from Fargo or a fleet manager in Bismarck. Maybe you haul hazardous materials or excavating equipment. All that to say, no two trucking companies are alike. Your insurance policies need to be tailored for your exact situation.

Since different truck insurance companies prefer different types of risks, it’s a good idea 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 North Dakota cities

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

  • Fargo
  • Bismarck
  • Grand Forks
  • Minot
  • West Fargo
  • Mandan
  • Dickinson
  • Jamestown
  • Williston
  • Wahpeton

We also can give you multiple quotes in the neighboring states as well: MT, SD, MN
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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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