Dump Truck Insurance

Dump Truck Insurance is specialty insurance that protects trucking companies using dump trucks for the delivery of dirt, sand, gravel, rock, asphalt, and other loose materials used in construction, road maintenance, quarries, fracking, mining, etc. Dump trucks are considered heavy-duty commercial vehicles, and their vast size and construction provide particular insurance issues for businesses that rely on them. The gross vehicle weight of large dump trucks such as Mack, Sterling, Ford, Freightliner, and Peterbilt exceeds 55,000 pounds. Tractors pulling dump trucks may have over 80,000 pounds of gross vehicle weight.

Coast Transport Insurance Service, as one of the nation’s top dump trucking insurance experts, we understand the particular insurance problems that companies utilizing dump trucks face. Our specialists can tailor a policy to your business’s specific requirements, whether you operate a single vehicle, are an owner-operator, or operate a 40-unit dump truck fleet. We have relationships with more than 15 of the nation’s major commercial truck insurance companies, and our prices are among the most competitive in the business.

Unlike other commercial vehicles, dump trucks are often designed for off-road usage on construction sites. As a consequence, dump trucks are often constructed in such a way that they can withstand or avoid accidents and overturns. Due to their employment on construction sites and in roadwork zones, dump trucks are more often engaged in back-up accidents and overturns than other commercial vehicles. As a result, it is critical to have sufficient liability and physical damage coverage in the case of any of these occurrences.

Get a personalized dump truck insurance quote

dump truck insurance

We know a lot is riding on your dump truck to feed your family. Let us help you put together an insurance package to meet your needs.  We have experience working with ten wheel dump trucks, super tens, transfer unit, semi end dump trailer, semi bottoms dump and double bottom dump trailers.  We have see it all.  If you have more questions about dump truck insurance, give us a call.

Common dump truck insurance questions

The majority of dump truck companies spend between $4,000 and $14,000 per vehicle per year in insurance. Premiums for dump truck insurance are determined by a variety of criteria, including the number of vehicles covered, the kind of truck, the cargo being transported, the destination of the cargo, the truck drivers' expertise and driving records, and, in certain cases, credit history and years in company. In general, if a trucking firm has been in operation for two years or more, has a solid loss history, high safety ratings, and experienced drivers, they will get the most competitive insurance premium. On the other hand, if your trucking business is young, has losses, or employs inexperienced drivers, you will pay a higher rate.

Dump truck insurance falls under the category of commercial auto insurance. To be deemed lawful, most jurisdictions need a minimum auto liability coverage of $750,000.


Every dump truck insurance policy should begin with auto liability coverage, which covers physical injury and property damage in the case of a truck accident. Physical damage to your dump truck caused by you or other risks such as fire, theft, and other threats may also be covered under your policy's physical damage coverage. Additional coverages such as medical payments, motor truck cargo, truckers general liability coverage, and downtime coverage, to mention a few, may be offered.

Dump truck insurance may be costly due to the potential damage a typical dump truck can do. Consider this: the typical automobile weighs between 2,000 and 4,000 pounds, but a commercial vehicle, such as a dump truck, may weigh up to 40,000 pounds. If you're still not persuaded, try stepping in front of a charging bull vs a kid on a bike. To summarize, all states require trucking companies to have a minimum auto liability insurance of $750,000 in case the worst possible scenario occurs.

Truck Insurance

Other common trucking operations

We can insure practically every commercial vehicle on the market. The most frequent are listed below. If you don’t find the business class you’re looking for, give us a call.

Truck Insurance

States we can offer dump truck insurance

We can assist you in putting together a low-cost dump truck insurance plan. We write commercial vehicle insurance in the states listed below.

Dump Truck Insurance Quotes

Whether you are a lone entrepreneur with a single dump truck or a motor carrier with a fleet of dump trucks, you must protect your investment with specialist commercial vehicle insurance coverage. Coast Transport Insurance Service will work with you to determine the proper amount of coverage for your dump truck and will insure you at a reasonable price. When you get a quote, we will compare quotes to ensure you get the best coverage at the best price. Call or fill out our online form today.
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