Trucking Insurance Cost by State
Average annual trucking insurance premiums across all 50 states. Sort by cost, see what drives rates in each state, and find your state's details.
50 states sorted by premium (highest first). Click any column header to sort.
| # | Key Factors | |||
|---|---|---|---|---|
| 1 | California CA | $18,500 $1,542/mo | High | Highest litigation rates, congested metros, CARB regulations |
| 2 | New York NY | $18,200 $1,517/mo | High | NYC congestion, high litigation, expensive claims |
| 3 | Florida FL | $17,800 $1,483/mo | High | No-fault state, high litigation, tourist traffic, hurricanes |
| 4 | Louisiana LA | $17,500 $1,458/mo | High | Highest auto insurance rates in US, litigation-friendly courts |
| 5 | New Jersey NJ | $17,200 $1,433/mo | High | Densest state, Turnpike traffic, high litigation |
| 6 | Illinois IL | $16,800 $1,400/mo | High | Chicago congestion, high litigation rates, harsh winters |
| 7 | Georgia GA | $16,500 $1,375/mo | High | Nuclear verdicts, Atlanta congestion, major hub state |
| 8 | Texas TX | $16,500 $1,375/mo | High | Largest freight state, nuclear verdicts, border traffic |
| 9 | Michigan MI | $16,200 $1,350/mo | High | No-fault state (reformed 2020), severe winters |
| 10 | Pennsylvania PA | $16,000 $1,333/mo | High | Turnpike traffic, Philadelphia litigation, harsh winters |
| 11 | Massachusetts MA | $15,800 $1,317/mo | Medium-High | Dense traffic, high claim costs |
| 12 | Maryland MD | $15,500 $1,292/mo | Medium-High | DC metro traffic, I-95 corridor congestion |
| 13 | Tennessee TN | $15,500 $1,292/mo | Medium-High | Nashville/Memphis hubs, I-40/I-65/I-24 convergence |
| 14 | Connecticut CT | $15,200 $1,267/mo | Medium-High | Dense traffic, high cost of living affects claims |
| 15 | Missouri MO | $15,200 $1,267/mo | Medium-High | St. Louis litigation, I-70/I-44 corridors |
| 16 | Virginia VA | $15,200 $1,267/mo | Medium-High | DC metro traffic, I-81 corridor, port traffic |
| 17 | Ohio OH | $15,000 $1,250/mo | Medium | I-75/I-71 corridors, major distribution hub |
| 18 | Washington WA | $15,000 $1,250/mo | Medium | Seattle congestion, I-5 corridor, port traffic |
| 19 | Hawaii HI | $14,800 $1,233/mo | Medium | Island logistics, limited routes, high cost of living |
| 20 | Mississippi MS | $14,800 $1,233/mo | Medium | Plaintiff-friendly courts, rural highways |
| 21 | North Carolina NC | $14,800 $1,233/mo | Medium | Growing freight market, I-85/I-40 traffic |
| 22 | Colorado CO | $14,500 $1,208/mo | Medium | Mountain passes, winter conditions, I-70 corridor |
| 23 | Kentucky KY | $14,500 $1,208/mo | Medium | Mountain roads, coal country routes |
| 24 | Oregon OR | $14,500 $1,208/mo | Medium | I-5 corridor, mountain passes, weight-mile tax |
| 25 | Rhode Island RI | $14,500 $1,208/mo | Medium | Small state, I-95 traffic |
| 26 | Alabama AL | $14,200 $1,183/mo | Medium | Major I-65 corridor, moderate claim frequency |
| 27 | Indiana IN | $14,200 $1,183/mo | Medium | Crossroads of America, heavy truck traffic |
| 28 | Nevada NV | $14,200 $1,183/mo | Medium | Las Vegas traffic, desert conditions |
| 29 | South Carolina SC | $14,200 $1,183/mo | Medium | Port of Charleston freight, I-95/I-26 |
| 30 | Delaware DE | $14,000 $1,167/mo | Medium | Small state, moderate I-95 traffic |
| 31 | Oklahoma OK | $14,000 $1,167/mo | Medium | I-40/I-35 crossroads, oil industry traffic |
| 32 | West Virginia WV | $14,000 $1,167/mo | Medium | Mountain roads, challenging terrain |
| 33 | Arizona AZ | $13,800 $1,150/mo | Medium | I-10/I-40 crossroads, extreme heat increases breakdowns |
| 34 | Minnesota MN | $13,800 $1,150/mo | Medium | Harsh winters, Minneapolis congestion |
| 35 | Wisconsin WI | $13,800 $1,150/mo | Medium | Harsh winters, dairy freight routes |
| 36 | Alaska AK | $13,500 $1,125/mo | Medium | Remote routes, extreme weather, limited carriers |
| 37 | Arkansas AR | $13,500 $1,125/mo | Medium | Central location, moderate traffic density |
| 38 | New Mexico NM | $13,500 $1,125/mo | Medium | I-10/I-40 corridors, rural routes |
| 39 | Utah UT | $13,500 $1,125/mo | Medium | I-15/I-80 corridors, winter mountain passes |
| 40 | Maine ME | $13,200 $1,100/mo | Low | Rural, harsh winters, low traffic |
| 41 | Kansas KS | $13,000 $1,083/mo | Low | I-70 corridor, low traffic density |
| 42 | Nebraska NE | $13,000 $1,083/mo | Low | I-80 corridor, low population density |
| 43 | New Hampshire NH | $13,000 $1,083/mo | Low | Low traffic, favorable legal climate |
| 44 | Iowa IA | $12,800 $1,067/mo | Low | Low population density, fewer claims |
| 45 | Vermont VT | $12,800 $1,067/mo | Low | Low traffic, rural routes |
| 46 | Idaho ID | $12,500 $1,042/mo | Low | Low traffic density, rural routes, favorable legal climate |
| 47 | Montana MT | $12,500 $1,042/mo | Low | Low traffic, open roads, rural routes |
| 48 | North Dakota ND | $12,200 $1,017/mo | Low | Lowest traffic density, oil field routes |
| 49 | Wyoming WY | $12,200 $1,017/mo | Low | Lowest population density, open highways, wind dangers |
| 50 | South Dakota SD | $12,000 $1,000/mo | Low | Low traffic, favorable legal climate, I-90 corridor |
What Drives Trucking Insurance Costs by State
Litigation Climate
States with plaintiff-friendly courts and a history of "nuclear verdicts" cost significantly more. Georgia, Florida, Texas, Louisiana, and New Jersey are notorious for large jury awards against trucking companies, driving premiums up for everyone domiciled there.
Traffic Density
More vehicles on the road means more accidents. States with dense metro areas and heavily trafficked interstates (California, New York, Illinois) see higher claim frequency, which directly increases premiums for carriers based there.
Weather Conditions
Ice, snow, hurricanes, and extreme heat all increase claims. Northern states deal with winter road hazards. Southern coastal states face hurricane damage. Desert states see heat-related breakdowns and tire blowouts. Insurers price for the local weather risk.
Local Regulations
State-specific requirements, no-fault insurance laws, and regulatory environments all affect baseline costs. California's CARB regulations, Oregon's weight-mile tax, and Florida's no-fault system each create unique cost pressures for trucking operations.
The Biggest Factor Isn't the State
Your personal safety record, authority age, truck value, and cargo type matter more than where you're based. A clean record in California costs less than a dirty record in Idaho. Use our Premium Estimator to get a personalized ballpark.
These are estimated averages for new authority, single-truck operations based on industry data and our experience insuring hundreds of carriers. Your actual premium will vary based on your specific operation, safety record, and coverage needs. Contact RMS for an accurate quote.
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