How much does truck insurance cost?

Cost depends on cargo type, radius, experience, and claims. Average owner-operator pays $8,000-$18,000/year. We compare 15+ carriers.

How fast will I get my COI?

In most cases, same day after approval. Entire process takes 1-3 business days.

Do I need an SSN to apply?

Not for commercial insurance. Your USDOT and MC number are sufficient.

What documents do I need for a quote?

For quick quote — just USDOT number. For processing: CDL, current policy (if any), truck info.

Privacy Policy

Last updated: April 29, 2026

Information Collection

We collect information you provide when filling out quote request forms, including: name, phone, email, company information (USDOT, MC numbers), vehicle data, and insurance needs.

Use of Information

Your information is used exclusively for:

Contacting you regarding your insurance inquiry
Forwarding your request to licensed insurance agents
Improving our services

Third-Party Sharing

We share your contact information only with licensed insurance agents and partners to process your request. We do not sell your information to third parties for marketing purposes.

Data Protection

We use standard security measures to protect your personal information, including SSL encryption and secure data storage.

Cookies and Analytics

We use cookies, localStorage, and third-party analytics tools to understand visitor behavior. On your first visit you will see a consent banner allowing you to accept or decline analytics.

Microsoft Clarity

We use Microsoft Clarity for anonymous session recordings, heatmaps, and behavior analytics. Clarity collects: clicks, mouse movements, scrolls, device type, country/region. Input fields are automatically masked. Data is shared with Microsoft.

Google Analytics

We use Google Analytics 4 to analyze traffic. GA collects: IP address (anonymized), browser type, pages visited, time on site. Data is shared with Google.

Sensitive Data Policy

We do NOT transmit through analytics tools SSNs, banking data, medical information, or driving violations. These are collected only directly via secure quote forms.

Your Rights

You may decline analytics via the cookie banner, disable cookies in your browser, or request data deletion via email. California (CCPA) and EU (GDPR) residents have the right to request a copy and deletion of their data.

Contact

For privacy concerns, contact: privacy@truckinsure.com