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MA — Commercial Truck Insurance

Massachusetts Commercial
Truck Insurance

Average premiums: $11,000–$22,000/year per truck. Get an instant estimate for your Massachusetts operation below.

$11,000
Avg Annual Low
$22,000
Avg Annual High
$750,000
Min Liability
MA
State Code
Get Your Estimate
Fill in your fleet details for an instant rate range
Fleet Information
Operations
Coverage Needs
Cargo
Physical Damage
Uninsured
Breakdown
Estimated Annual Premium
$14,200
per truck / per year
Range: $11,800 – $17,600
Risk Score
B+
Good standing
Primary liability—
Cargo coverage—
Physical damage—
Other coverage—
Total fleet (all trucks) —

Coverage Included

🛡️
Primary Auto Liability
Covers bodily injury & property damage to others. Required by FMCSA for interstate carriers.
📦
Motor Truck Cargo
Covers the freight you're hauling if damaged or stolen. Limits from $100K–$250K+.
🔧
Physical Damage
Collision & comprehensive for your truck itself. Required by most lenders/leasors.
⚖️
General Liability
Covers non-trucking incidents, loading/unloading, and premises liability.

💡 Ways to Lower Your Premium

✓Bundle multiple trucks — fleets of 5+ typically save 12–22%
✓Install ELD + dashcam — insurers discount 5–15% for telematics
✓Hire drivers with 5+ years CDL experience — major risk reduction
✓Raise your deductible from $1K to $2.5K — saves ~8–12%
✓Maintain clean DAC & MVR records — most impact on your rate

Insurance Requirements in Massachusetts

Massachusetts follows federal FMCSA minimums. Massachusetts has strict truck exclusion zones in Boston and some cities. The MassDOT regulates commercial vehicles closely.

Key Massachusetts trucking routes include I-90 / I-93 / I-495 / I-95. Major freight hubs: Boston, Worcester, Springfield.

Average Truck Insurance Costs in Massachusetts

Commercial truck insurance in Massachusetts averages $11,000–$22,000 per truck per year. Boston's congested road network, the Turnpike (I-90), and heavy Northeast corridor freight all create high exposure. Massachusetts has a strong regulatory environment and above-average jury awards in truck accident litigation.

Massachusetts combines high urban density, strict regulations, and above-average medical and legal costs to create a challenging commercial insurance environment.

Massachusetts Truck Insurance

Massachusetts Commercial Truck Insurance — Common Questions

How much does commercial truck insurance cost in Massachusetts?

Commercial truck insurance in Massachusetts averages $11,000–$22,000 per truck per year. Massachusetts combines high urban density, strict regulations, and above-average medical and legal costs to create a challenging commercial insurance environment.

What are Massachusetts's minimum truck insurance requirements?

Massachusetts follows federal FMCSA minimums. Massachusetts has strict truck exclusion zones in Boston and some cities. The MassDOT regulates commercial vehicles closely.

Which carriers offer the best rates in Massachusetts?

Top carriers operating in Massachusetts include Progressive Commercial, Great West Casualty, Sentry Insurance, and Protective Insurance. Rates vary by carrier, so comparing 3+ quotes is essential. Use our estimator to get a baseline before contacting agents.

How can I reduce my truck insurance costs in Massachusetts?

The fastest ways to lower rates in Massachusetts: hire drivers with 5+ years CDL experience, install ELD devices and dashcams for telematics discounts (5–15%), maintain clean MVR and DAC records, and bundle multiple trucks for fleet discounts (12–22% off for 5+ trucks).

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