Bobtail insurance is a specific type of commercial truck insurance that covers your semi-truck when you’re driving it without a trailer—whether you’re heading to pick up a load, returning from a delivery, or simply repositioning. This coverage protects you during those "non-hauling" periods when your primary liability insurance may not apply.
How Much Does Bobtail Insurance Cost in 2025?
On average, bobtail insurance in 2025 costs between $350 and $600 per year for most truck drivers. That breaks down to about $30 to $50 per month—a small price to pay for peace of mind when you're not under dispatch.
However, your actual premium depends on several factors:
Factors That Affect Bobtail Insurance Cost
Driving Record
Clean driving history? You’ll likely pay less. Accidents or violations? Expect a higher premium.Location
States with higher accident rates or stricter insurance laws may see higher premiums.Type of Truck
Newer trucks, heavier vehicles, or those with more horsepower might cost more to insure.Frequency of Use
The more often you drive a bobtail, the higher your risk—which can impact your rate.Coverage Limits
Higher liability limits offer more protection but also increase your monthly premium.Insurance Provider
Every provider prices risk differently. That’s why it’s important to shop smart.
Why Bobtail Insurance Matters
Many motor carriers require owner-operators to carry bobtail coverage even when it's not mandated by law. It's essential protection for independent drivers who are frequently on the road without a trailer.
Without it, a simple fender-bender could lead to thousands in damages—out of your pocket.
Bobtail vs. Non-Trucking Liability: What’s the Difference?
It’s a common mix-up! While both cover you when you're not hauling a load, bobtail insurance specifically covers driving without a trailer, even if you're on your way to a job. Non-trucking liability is broader, covering personal use when not under dispatch.
How Stone Era Insurance Agency Can Help
At Stone Era Insurance Agency, we specialize in truck insurance solutions that fit your budget and meet your specific needs. Here’s what you get with us:
Free quotes in minutes
Custom coverage options
Expert agents who know the trucking industry
Discounts for bundled policies
We work with top-rated carriers to ensure you get affordable bobtail insurance without compromising on coverage.
Get Your Free Bobtail Insurance Quote Today
Ready to protect yourself between loads? Don’t wait until something happens. Let the team at Stone Era Insurance Agency help you get covered with a bobtail insurance policy tailored to your route, rig, and reality.
👉 Call us or request your free quote online now!