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TN — Commercial Truck Insurance

Tennessee Commercial
Truck Insurance

Average premiums: $8,500–$17,000/year per truck. Get an instant estimate for your Tennessee operation below.

$8,500
Avg Annual Low
$17,000
Avg Annual High
$750,000
Min Liability
TN
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 Tennessee

Tennessee follows federal FMCSA minimums. The Tennessee DOT (TDOT) regulates commercial vehicles. Memphis-area carriers operating into Arkansas must follow both states' requirements.

Key Tennessee trucking routes include I-40 / I-24 / I-65 / I-75. Major freight hubs: Nashville, Memphis, Knoxville.

Average Truck Insurance Costs in Tennessee

Commercial truck insurance in Tennessee averages $8,500–$17,000 per truck per year. Memphis is the FedEx global hub and one of the top freight markets in the world. Nashville is one of the fastest-growing distribution markets in the Southeast. I-40 runs east-west across the entire state, connecting the Carolinas to Oklahoma.

Tennessee is a central US distribution powerhouse, with Nashville and Memphis both serving as Top 10 US freight hubs and a highly competitive insurance market.

Tennessee Truck Insurance

Tennessee Commercial Truck Insurance — Common Questions

How much does commercial truck insurance cost in Tennessee?

Commercial truck insurance in Tennessee averages $8,500–$17,000 per truck per year. Tennessee is a central US distribution powerhouse, with Nashville and Memphis both serving as Top 10 US freight hubs and a highly competitive insurance market.

What are Tennessee's minimum truck insurance requirements?

Tennessee follows federal FMCSA minimums. The Tennessee DOT (TDOT) regulates commercial vehicles. Memphis-area carriers operating into Arkansas must follow both states' requirements.

Which carriers offer the best rates in Tennessee?

Top carriers operating in Tennessee 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 Tennessee?

The fastest ways to lower rates in Tennessee: 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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