Risky Business

Straight Truck Expediter needs Non Trucking Liability
Straight Truck Expediter needs Non Trucking Liability

Best Non Trucking Liability Rates by State

By Shelly Benisch, CIC, TRS & Christina Cummings, TRS
Posted Jul 12th 2023 9:34AM

Some states simply have better commercial trucking insurance premiums, including Non Trucking Liability.

For example, these states generally cost the least for Non Trucking Liability:

  • Ohio
  • Colorado
  • Connecticut
  • Missouri
  • Pennsylvania
  • Tennessee
  • Wisconsin

These states generally cost more for Non Trucking Liability:

  • Alabama
  • Florida
  • Georgia
  • Michigan
  • Mississippi
  • Texas

How much is the Non Trucking Liability portion of my insurance vs Physical Damage?

$1,000,000 Non Trucking Liability for Tractors and Straight Truck Insurance costs between $400 and $700 per year.

Straight Truck Expedited Freight and Non Trucking Liability

$1,000,000 Non Trucking Liability for Cargo Van and Sprinter Insurance is higher at around $700 to $900 per year.

Cargo Vans and Sprinters often needs Non Trucking Liability

The cost of Cargo Van and Sprinter Non Trucking Liability Insurance is higher because smaller units have more opportunity to be on the road for personal use. 

Noone uses their tractor to run to the store unless they have to:)

Your real cost for trucking and expediting insurance is in the Physical Damage portion of your insurance. 

Physical Damage is the Comp and Collision coverage for your truck.

Physical Damage premiums often run between 3% to 5% of your Total Insured Value - TIV.

[Related Story - What's the Best State for Truck Insurance]

To learn more about what Non Trucking Liability does and doesn't do, check out Non Trucking Liability The Most Misunderstood Insurance Coverage.

For fun quick videos, start with Trucker Turtle and our CIS series Understanding Commercial Truck Insurance:

Trucker Turtle Explains Non Trucking Liability Video

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