If you're stepping into the fast-paced world of hot shot trucking, you're probably juggling a ton of things—from securing loads to maintaining your rig. But one thing you absolutely can’t afford to overlook is commercial insurance. So, how much does hot shot truck insurance actually cost?
Let’s break it down and help you make sense of what you’re paying for—and why it matters.
What Is Hot Shot Trucking?
Hot shot trucking involves hauling smaller, time-sensitive loads using a medium-duty truck and a flatbed trailer. It’s a great niche for owner-operators or small fleet owners who want to get into the trucking game without investing in a full 18-wheeler setup.
But with great opportunity comes great responsibility—and that includes protecting yourself, your cargo, and your business with the right insurance coverage.
The Cost of Hot Shot Truck Insurance
The average commercial insurance for hot shot trucking can range anywhere from $7,000 to $15,000 per year. Yep, it's a big range—and here’s why:
1. Driving Record
If you’ve got a clean driving record, your premiums will likely be lower. On the flip side, accidents and violations can drive your rate up.
2. Truck & Trailer Type
The make, model, and year of your truck and trailer can significantly impact your cost. Newer equipment usually means higher premiums.
3. Cargo
What you’re hauling plays a big role. Hauling expensive or high-risk goods can increase your insurance costs.
4. Operating Radius
The farther you drive, the more risk you carry. A trucker hauling locally may pay less than someone who goes cross-country.
5. Location
Your home base matters. Insurance rates in Florida, for instance, can be different from those in Texas or California.
What’s Typically Included in a Hot Shot Insurance Policy?
Here’s a quick look at what’s usually included in a hot shot truck insurance policy:
Primary Liability Insurance – Covers bodily injury and property damage if you’re at fault in an accident.
Cargo Insurance – Protects the freight you’re hauling.
Physical Damage Coverage – Covers repair or replacement costs for your truck and trailer.
Non-Trucking Liability (Bobtail Insurance) – Coverage for when you're not under dispatch.
Trailer Interchange Coverage – For when you’re hauling trailers you don’t own.
Why Work with Stone Era Insurance Agency?
At Stone Era Insurance Agency, we get the hustle. We specialize in hot shot truck insurance, and we work with a wide range of carriers to get you the best deal possible. Whether you're new to the game or a seasoned hauler, we’ll customize a policy that fits your budget and your business.
We believe in real people, real coverage, and real support—because your success is our priority.
Get in Touch with Us Today
Got questions or ready to get a quote? We’re here to help. Contact us any time!
📞 Phone: (239) 288-0656 📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA 📧 Email: info@stoneerainsurance.com
Protect your hustle with hot shot truck insurance that works as hard as you do. Call us today and let’s get you covered.