Commercial Truck Insurance California

Coast Transport Insurance Service has over 40 years of experience as an independent insurance business serving the transportation industry. You don’t need to deal with a generic insurance agency when you can work with a California commercial truck insurance expert. We understand the trucking business and can assist you in acquiring the appropriate insurance coverage at a reasonable cost.

We appreciate the importance of saving money on insurance, but you should also have trust in your policy and agency. Consequently, Coast Transport only works with A+-rated insurance firms. We provide affordable commercial truck insurance to truckers in California.

We, too, are a small business that understands the importance of putting the consumer first. You will speak with a real truck insurance representative and get honest answers to your inquiries. We recognize that you do not have weeks to wait for a price quote. Therefore, we strive to provide you with a quote within 24 hours, if not the same day you contact us.

Give us a call or click for a free, no-obligation commercial truck insurance quotation in California.

Commercial truck insurance California questions for truckers

What is California's big rig auto liability limit?

California's auto liability limit for big rigs is $750,000. There are a lot of factors that go into a big rig truck insurance rate. This includes, type of truck, garaging location, radius, age of driver, driving record, value of the truck and dot history, to name a few.

What kind of insurance do i need for a semi truck in California?

Semi truck insurance is under the umbrella of commercial auto. California require a minimum auto liability limit of $750,000 to be considered legal. Other coverages are available and may be required from your broker. This could include, truckers general liability, physical damage coverage on a none-owned trailer or motor truck cargo coverage.

Why is truck insurance so expensive in California ?

The main reason truck insurance can be expensive is due to the potential impact or damage the vehicle can cause. Hence, why the California requires semi truck operator to carrier a minimum auto liability limit of $750,000.

Commercial truck insurance filings for California truckers

In California, having a commercial truck insurance coverage and being legal are two separate things. You should ensure that your trucking company abides with the norms and regulations of the California Department of Transportation (Caltrans) and the Federal Motor Carrier Safety Administration (FMCSA). Insurance filings and/or endorsements on your vehicle insurance policy are required by both Caltrans and the FMCSA. We can ensure that you have the proper insurance coverage in order to comply with California and federal government rules.

MCP65

MCP-65 filing is a certificate of insurance that must be sent to the California DMV as proof that your auto liability limit meet the minimum requirement of $750,000.

The MCP-65 filing has to come directly from the insurance company.

BMC-91

The BMC-91 filing is a guarantees to the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.

MCS90

An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.

Truck insurance coverages we can write in California

We can customize a commercial truck insurance package to meet your specific requirements. To get you on the road as soon as possible, this might vary from full coverage to liability only.

Liability Coverages

Vehicle Coverages

Truck Specific Coverages

Driver Coverages

Towing Specific Coverages

Specialty Truck Coverages

Commercial truck insurance we can write in California

We can insure practically every commercial vehicle on the market. The ones listed below are the most frequent. If you are searching for anything special, please give us a call; we are here to assist you.

We can write truck insurance in all cities in California

We can help you put together a competitive commercial truck insurance package no matter where you operate. We can assist in all regions of California, including…

Sacramento
Salinas
San Bernardino
San Diego
San Francisco
San Gabriel
San Jose
Santa Ana
Santa Barbara
Santa Clara
Santee
Santa Rosa
South Gate
Stockton
Sun Valley
Sunnyvale

We can also offering commercial auto insurance to the neighboring states: Arizona, Nevada and Oregon.

Did you know?

California is the largest sub-national economy in the world. If it were a country, it would be the 37th most populous country and the fifth largest economy as of 2020. California borders Oregon to the north, Nevada and Arizona to the east, and the Mexican state of Baja California to the south. With over 39.5 million residents across a total area of approximately 163,696 square miles, it is the most populous and the third-largest U.S. state by area.

Your Business is your own

You may be new to the trucking industry or possibly you’re a veteran of 15 years as a Motor Carrier. You might be an owner operator with a lease agreement or have a fleet of 12 trucks. You could be a long haul trucker or perhaps you don’t even leave California. The point is, truck insurance rates can vary greatly from trucking company to trucking company. The hard part is to find which insurance company is offering the best coverage at a fair rate for your line of business. This is were we shine. We can help you in finding the best insurance company for your trucking company.

Resources for California Truckers

California Chamber of Commerce

California Trucking Association (CTA)

The California Trucking Association advocates, promotes and defends California’s trucking industry.

California Department of Transportation (Caltrans)

The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.

California Department of Insurance (CDI)

California Department of Insurance is the regulatory body that oversees the California insurance industry.

Federal Motor Carrier Safety Administration (FMCSA)

Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States. Their job is to keep our roads and highways safe.

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Truck Insurance Companies in California

Did you know there are approx. 189 truck insurance companies in California with state filings on truckers. The top 10 insurance companies insure approx. 77.7% of all trucking operations that need filings in California. If you are looking for help finding coverage or would like to explore a new insurance company, we would be glad to help.