A complete guide to commercial truck insurance costs found that commercial auto insurance for trucking and towing operations averaged $737 per month per vehicle, with rates varying significantly by state, driving record, vehicle type, and cargo classification, according to Pro Insurance Group. The guide documented how nuclear verdicts surging 52 percent in 2024 were the primary driver of premium increases across the industry.
Operator takeaway
$737 per month per vehicle — insurance is often the second-largest operating cost after fuel, and understanding the benchmarks helps you negotiate from a position of knowledge.