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Trucking insurance news, tips, and industry insights.
Trucking Insurance in Cheyenne, Wyoming | Full Coverage LLC
If you operate a commercial truck in Cheyenne, Wyoming, securing the right insurance is both a legal requirement and a smart business decision. Owner-operators based in Cheyenne typically pay $9,000–$19,000 per year for commercial trucking insurance, with energy sector haulers and oversized load carriers paying toward the higher end of the range. Full Coverage LLC [ ]
Read →Trucking Insurance in Sioux Falls, South Dakota | Full Coverage LLC
If you operate a commercial truck in Sioux Falls, South Dakota, securing the right insurance is both a legal requirement and a smart business decision. Owner-operators in Sioux Falls typically pay $8,000–$16,000 per year for commercial trucking insurance, with rates reflecting the state’s favorable regulatory environment and relatively competitive insurance market for Midwest carriers. Full [ ]
Read →Trucking Insurance in Anchorage, Alaska | Full Coverage LLC
If you operate a commercial truck in Anchorage, Alaska, securing the right insurance is both a legal requirement and a smart business decision. Alaska truckers should expect to pay significantly more than the national average — owner-operators in Anchorage typically pay $14,000–$28,000 annually due to the unique risks and limited carrier competition in the state. [ ]
Read →What is Excess/Umbrella Insurance for Trucking? | Full Coverage LLC
Excess and umbrella insurance for trucking provides liability coverage above and beyond your primary trucking liability policy limits. When a claim or lawsuit exceeds your primary policy’s limit, the excess or umbrella policy kicks in to cover the remaining amount — up to its own limit. In the current trucking litigation environment, where verdicts of [ ]
Read →What is an FMCSA Filing? BMC-91, BMC-34 & Form E Explained | Full Coverage LLC
An FMCSA filing is a formal insurance document submitted to the Federal Motor Carrier Safety Administration (FMCSA) by your insurance company to prove that your trucking operation meets federal minimum insurance requirements. FMCSA filings are required to obtain and maintain operating authority (an MC number), and they must remain active at all times for your [ ]
Read →What is Physical Damage Coverage for Trucks? | Full Coverage LLC
Physical damage coverage for trucks is the insurance that pays to repair or replace your commercial truck or tractor after it is damaged in a collision, rolls over, is stolen, or is harmed by a covered non-collision event such as fire, vandalism, hail, or flood. It is divided into two components: collision coverage (damage from [ ]
Read →What is a CSA Score? How It Affects Your Insurance (2026)
A CSA score (Compliance, Safety, Accountability score) is a numerical rating system used by the Federal Motor Carrier Safety Administration (FMCSA) to measure the safety performance of commercial motor carriers and drivers. CSA scores are based on data from roadside inspections, crash reports, and investigation results — and they directly affect your ability to get [ ]
Read →What is MCS-90? Everything Truckers Need to Know (2026)
An MCS-90 endorsement is a federal filing attached to a commercial trucking insurance policy that guarantees minimum public liability coverage for bodily injury, property damage, and environmental restoration caused by a commercial motor vehicle. Required by the FMCSA under 49 CFR Part 387, the MCS-90 ensures that even if your policy has exclusions or lapses, [ ]
Read →How Much Does Trucking Insurance Cost? 2026 State-by-State Guide
Trucking insurance costs vary dramatically depending on your state, truck type, commodity, and driving history. This guide breaks down average commercial truck insurance costs by state for 2026, explains the key rate factors, and shows you how to find the lowest rate for your operation. Average Trucking Insurance Cost by State (2026) These are annual [ ]
Read →How to Get Your New Authority Insured in 24 Hours (2026 Guide)
Congratulations — you just got your MC number. Now your dispatcher is calling, you have a load ready to go, and you need insurance today. Here’s exactly how to get your new authority insured in 24 hours or less. What “New Authority” Means for Insurance When the FMCSA grants you operating authority (your MC number), [ ]
Read →Owner-Operator vs Motor Carrier Insurance: Key Differences (2026)
Learn the key differences between owner-operator insurance and motor carrier fleet insurance — coverage requirements, costs, and when to get your own authority.
Read →Trucking Insurance 101: Everything Owner-Operators Need to Know (2026 Guide)
Learn what trucking insurance you need, how much it costs, and how to avoid the 5 most common mistakes. A plain-language guide for owner-operators and new authorities from Full Coverage LLC.
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