Count trucks/tractors, not trailers.
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Fleet Insurance Estimator
Running multiple trucks? This calculator shows your estimated annual insurance cost with fleet discounts, per-truck breakdowns, and coverage recommendations for small fleets (2-10 trucks).
Estimates based on industry pricing data. Your actual premium depends on specific driver records, equipment, and carrier availability. Get a real quote for exact pricing.
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This is the single biggest factor in your rate.
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Approximate value per truck. Affects physical damage premium.
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Affects both liability and cargo insurance rates.
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Affects workers' comp and occupational accident requirements.
Estimated Annual Premium
$0 per truck / year
Coverage Breakdown
Auto Liability (per truck) $0
Physical Damage (per truck) $0
Cargo (fleet policy) $0
General Liability $0
Workers' Comp / Occ Accident $0
Fleet Discount Applied
0%
Saving $0/year
Estimated Monthly $0 Most carriers offer monthly payment plans
Get Your Real Quote
These are estimates. A real quote is based on your specific drivers, vehicles, and claims history.
Why Fleet Insurance Saves You Money
Volume Discounts
Insurance carriers give better per-truck rates when you insure multiple vehicles on one policy. Typical fleet discounts range from 5-15% depending on fleet size and carrier.
Combined Policy Savings
Instead of separate cargo, GL, and workers' comp policies, fleets can often bundle coverage types for lower total premiums and simpler administration.
Better Carrier Options
Some carriers specifically want fleet accounts (5+ trucks) and offer their best pricing for them. Having a fleet opens doors to carriers that don't write single-truck operators.
One Renewal Date
All trucks on one policy means one renewal, one payment schedule, one agent relationship. Less paperwork, fewer gaps in coverage, easier to manage.
Fleet Insurance Considerations
Driver Records Matter More
With a fleet, every driver's MVR affects your group rate. One driver with a bad record can raise premiums for the entire fleet. Screen carefully and monitor MVRs annually.
Workers' Comp Is Required
If you have W-2 employees, most states require workers' compensation insurance. Cost varies by state and payroll, but budget $2,000-$5,000 per driver per year as a starting point.
Hired & Non-Owned Auto
If your drivers ever use personal vehicles for business errands, or if you rent/borrow vehicles, you need hired and non-owned auto coverage. Often added as an endorsement for $200-$500/year.
Umbrella / Excess Liability
Fleets often need higher liability limits than single-truck operators. An umbrella policy adds $1M-$5M on top of your auto liability for $2,000-$8,000/year — often required by large shippers.