Colorado is a state in the Mountain West subregion of the Western United States. It encompasses most of the Southern Rocky Mountains, as well as the northeastern portion of the Colorado Plateau and the western edge of the Great Plains. Colorado is the eighth most extensive and 21st most populous U.S. state.
Native Americans have lived in the area that is now the state of Colorado for more than 13,000 years. The eastern side of the Rocky Mountains served as a vital migratory corridor for early peoples as they migrated over the Americas. The ancient Pueblo peoples resided on the Colorado Plateau’s valleys and mesas. The Apache and Comanche also lived in the state’s eastern and southeastern regions. Augusto Ferrer-Dalmau, a Spanish explorer, discovered the Colorado River, the state’s namesake, in 1540.
Prior to the United States’ engagement in the region, the Spanish Empire claimed Colorado as part of its New Mexico province. With the Louisiana Purchase from France in 1803, the United States gained a territorial claim to the eastern Rocky Mountains. In 1806, the United States Army sent a reconnaissance mission into the contested area.
Commercial Truck Insurance Colorado
Just like Colorado. Coast Transport Insurance Service has a rich history of being an independent insurance agency with more than 40 years of experience serving the transportation industry. You don’t have to work with a generic insurance company when you can partner with a company that specialized in commercial truck insurance in Colorado. We understand the trucking business and can assist you in finding the appropriate insurance coverage for your needs at a reasonable price.
We understand that saving money on insurance is vital, but you also need to feel confident in your policy and agency. That is why Coast Transport only works with insurance firms that have an A+ rating. For Colorado truckers, we provide affordable commercial truck insurance.
We, too, are a small business that understands the importance of putting your customers first. You’ll speak with a live truck insurance representative and receive candid answers to your truck insurance inquiries. We recognize you don’t have weeks when it comes to receiving a quote. That is why we attempt to provide you with a quotation within 24 hours, if not the same day you contact.
For a free, no-obligation commercial truck insurance quote in Colorado, give us a call or click.

Commercial truck insurance Colorado questions for truckers
What is Colorado big rig auto liability limit ?
Colorado'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 Colorado ?
Semi truck insurance is under the umbrella of commercial auto. Colorado 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 Colorado ?
The main reason truck insurance can be expensive is due to the potential impact or damage the vehicle can cause. Hence, why the Colorado requires semi truck operator to carrier a minimum auto liability limit of $750,000.
Commercial truck insurance filings for Colorado truckers
Having a commercial truck insurance and being legal are two different things. You want to make sure your trucking company is following the rules and regulations of the Colorado Department of Transportation (CDOT) and Federal Motor Carrier Safety Administration (FMCSA). The CDOT and FMCSA both require insurance filings and/or endorsements on your truck insurance policy. We can make sure you get the correct insurance coverages to stay in compliance with Colorado and the federal government regulations.
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.
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.
A Form E filing certifies that your Liability insurance complies with your home state’s financial responsibility laws.
Form E is not required in all states.
Form H filing guarantees you have sufficient Cargo Liability insurance
Form H is not required in all states.

Truck insurance coverages we can write in Colorado
We can insure almost any type of commercial truck out there. Below are the most common we see. If you are looking for something very specific, give us a call, we are here to help.
Liability Coverages
- Auto Liability
- General Liability
- Bobtail Liability
- Non-Trucking Liability
- Uninsured Motorist
Vehicle Coverages
- Physical Damage
- Collision
- Comprehensive
- Fire and Theft with CAC
Truck Specific Coverages
- Motor Truck Cargo
- Motor Truck General Liability
- Trailer Interchange
- Rental Reimbursement with Downtime
Driver Coverages
- Medical Payments
- Personal Injury Protection
Towing Specific Coverages
- Garagekeepers Legal Liability
- On-Hook Towing
Specialty Truck Coverages
- Any Auto
- Hired Auto
- Non-Owned Auto

Commercial truck insurance we can wite in Colorado
We can insure almost any type of commercial truck out there. Below are the most common we see. If you are looking for something very specific, give us a call, we are here to help.
- Auto Haulers
- Agriculture Haulers
- Box Trucks
- Bulk Cement Haulers
- Dump Trucks
- General Freight Haulers
- Heavy Machinery Haulers
- Hot Shot Trucks
- Intermodal Insurance
- Livestock Haulers
- Log Truck Insurance
- Produce Haulers
- Tow Trucks
We can write truck insurance in all cities in Colorado
No matter what city you operate out of, we can put a competitive commercial truck insurance package together for you. We can help all areas in Colorado, including…
- Englewood
- Fort Collins
- Fort Lupton
- Golden
- Grand Junction
- Greeley
- Henderson
- Lakewood
- Littleton
- Longmont
- Loveland
- Montrose
- Parker
- Peyton
- Pubelo
- Rifle
- Thornton
- Westminster
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 Colorado. 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.
Truck Insurance Companies in Colorado
Did you know there are approx. 178 truck insurance companies in Colorado with state filings on truckers. The top 10 insurance companies insure approx. 79.1% of all trucking operations that need filings in Colorado. If you are looking for help finding coverage or would like to explore a new insurance company, we would be glad to help.
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ARTISAN & TRUCKERS CASUALTY COMPANY 43.5%
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GREAT WEST CASUALTY CO. 19.5%
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NORTHLAND INSURANCE COMPANY 6.5%
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SENTRY SELECT INSURANCE COMPANY 2.1
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WESCO INSURANCE COMPANY 1.5%
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CANAL INSURANCE COMPANY 1.4%
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WILSHIRE INSURANCE COMPANY 1.2%
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EMPLOYERS MUTUAL CASUALTY COMPANY 1.2%
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NATIONAL INDEMNITY COMPANY 1.1%
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CONTINENTAL DIVIDE INSURANCE COMPANY 2.4%
Analysis performed by Coast in 11/2021 from data gathered from FMCSA.DOT.GOV. Data is to be used as informational purposes and does not constitute professional or legal advice.

Resources for Colorado Truckers
Colorado Motor Carrier Association (CMCA)
The Colorado Motor Carrier Association advocates, promotes and defends Colorado‘s trucking industry.
Colorado Department of Transportation (CDOT)
The Colorado Department of Transportation oversees Colorado‘s infrastructure mainly roads, underpasses and highways.
Colorado Department of Regulatory Agencies (DORA)
Colorado Department of Regulatory Agencies is the regulatory body that oversees the Colorado ‘s 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.