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Pennsylvania Commercial Truck Insurance

by Fred Podris. Updated on Dec 15, 2023

Compare Pennsylvania Commercial Truck Insurance

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Pennsylvania Commercial Truck Insurance

Are you hunting for a Pennsylvania Commercial Truck Insurance Quote? How about 3 quotes?

Compare PA 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 Pennsylvania 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 PA. Simple!

PA Trucking Insurance Quotes

How Much Does Truck Insurance Cost In Pennsylvania?

The average cost for commercial truck insurance in PA is $14,055.

Most premiums range from $12,247 to $17,631.

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 PA

1 Truck Based in Pittsburgh

ExperienceOver 3 Years
RadiusInterstate, Unlimited Miles
CargoGeneral Freight
OperationFor Hire
Premium$12,557/yr

1 Truck Based in Lancaster

ExperienceNew Venture
RadiusInterstate, Below 500 Miles
CargoMotor Vehicles
OperationFor Hire
Premium$15,578/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 Pennsylvania

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 PA. With three agents quoting your policy you will have much broader access to the entire market of truck insurance companies. The agents will work diligently 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 Pennsylvania

Finding the best trucking insurance company in PA for your outfit can save you thousands. Some of the insurance carriers with the best premiums can be difficult to find though.

The companies below write 81% of the truck insurance polices in PA.

Top 10 Truck Insurance Companies in PA

  • Agency Insurance Company of Maryland / AIC
  • Canal
  • Daily Underwriters Of America
  • Eastern Atlantic
  • Erie
  • Great West
  • Northland
  • OOIDA
  • Progressive
  • Sentry

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The PA 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 PA that have the remaining 19% 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

PA Semi Truck InsurancePennsylvania 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 a for-hire owner operator, 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

Pennsylvania Truck Insurance Requirements

Pennsylvania law asks local truck drivers and new ventures to have a minimum amount of liability insurance. The amount you need depends on what freight you haul and where you haul it. If you never cross state lines, you must get a PA PUC # and 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)
$5,000 per vehicle cargo insuranceCargo Insurance (All carriers)

The insurance requirements for truck drivers who do cross state lines are more thorough. In addition to the above, you must comply with all the DOT truck insurance requirements recommended by the FMCSA. Typical federal liability limits are between $750,000 and $1,000,000.

Both Pennsylvania 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 inform the government that all your semi truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:

  • Form H
  • The BMC-98
  • Form MCS-97
  • Form E

Specific Insurance for Owner Operators in Pennsylvania

No matter what type of operation you have, we have you covered. Our agents have access to cheap truck insurance for all of the following operation types:

  • Flat Bed
  • Logging
  • Livestock
  • New Driver
  • Hazmat
  • Hot Shot
  • LTL
  • Car Carrier
  • Intermodal
  • Reefer

Handy Pennsylvania Trucking Resources

Pennsylvania State FlagPennsylvania Department of Transportation

Pennsylvania Department of Motor Vehicles

Pennsylvania Motor Truck Association

Pennsylvania Department 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 Philadelphia or a fleet manager in Pittsburgh. Maybe you haul hazardous materials or wheat. All that to say, no two trucking companies are alike. Your insurance policies need to be designed for your 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 type of operation. The bottom line is that you want cheap truck insurance without sacrificing coverage.

Get 3 Competitive quotes in all Pennsylvania cities

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

  • Philadelphia
  • Pittsburgh
  • Allentown
  • Erie
  • Reading
  • Scranton
  • Bethlehem
  • Bensalem
  • Lancaster
  • Abington
  • Levittown
  • Harrisburg
  • Haverford
  • Altoona
  • York
  • Penn Hills
  • State College
  • Wilkes-Barre
  • Norristown
  • Chester
  • Mount Lebanon
  • Warminister
  • Bethel Park
  • Williamsport
  • Monroeville
  • Drexel Hill
  • Lower Burrell

We also can give you multiple quotes in the neighboring states as well: NY, NJ, MD, WV, OH
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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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