Trucking Insurance
Commercial trucking insurance — California #1 specialty 2026 | Corona, CA | Owner-ops & fleets 1–25 | New authority OK | Same-day MCP65 & BMC-91X | From $35/mo bobtail
Box trucks, hotshots, car haulers, dump, reefer, dry van. Call (833) 371 5800 or request a trucking quote.
Who we insure in CA
- Owner-ops (long haul & local) | Fleets (1–25 trucks)
- Box trucks (CDL & non-CDL) | Hotshots, Sprinters, cargo vans
- Car haulers (3–9 cars) | Dump, cement, flatbed
- Tractor-trailer, reefer, dry van, intermodal
- New MC / new venture OK | New drivers under 2 years CDL (available markets)
Coverages explained
- Primary auto liability: $750k / $1M (FMCSA & CA DMV required). Covers injury and damage you cause. Includes same-day filing for BMC-91X (federal) and MCP65 (CA state).
- Cargo: $100k–$250k (required by brokers). Covers freight theft, damage, fire. Add-on: reefer breakdown $250k (spoilage). High-value freight up to $500k.
- Physical damage: your truck and trailer — collision, theft, vandalism, fire. Cost: about 4–6% of value.
- General liability: $1M/$2M (required by warehouses, Amazon, ports). Covers slip & fall.
- Bobtail / non-trucking liability (NTL): about $35/mo. For driving without a trailer or when not under dispatch.
- Trailer interchange: $30k–$75k for non-owned trailers (Amazon, JB Hunt).
- Uninsured motorist & medical payments
Filings
- CA MCP65: keeps the CA motor carrier permit active (same-day filing)
- Federal: FMCSA BMC-91X, MCS-150 biennial, Form E/F, UCR, CA#, DOT setup guidance
- CHP BIT inspection insurance proof
What affects price in CA?
- MVR: accidents, tickets, DUI
- Experience: under 2 years CDL is higher; 5+ years is best
- Radius: local (0–300 mi) is cheaper than long haul (1,000+ mi)
- Commodity: general freight is cheaper; hazmat / cars cost more
- Location: garaging ZIP (Corona, Fontana, LA)
- Truck value and age | Credit and lapse history
- New authority: first 2 years are higher, then prices often drop 20–30%
Starting prices
| Operation | Starting range |
|---|---|
| Box truck (26 ft, new authority, clean record) | $12k–$18k/yr ($1M auto + $100k cargo) |
| Tractor-trailer (2+ yr authority, local, clean) | $14k–$20k/yr |
| Tractor-trailer (new authority) | $18k–$28k/yr first year, then often drops |
| Bobtail / NTL only | $400–$800/yr |
| Physical damage | 4–6% of value |
| Cargo ($100k) | $800–$2k/yr |
Payment terms: typically 15–25% down, then 10 monthly payments. Monthly plans available.
Discounts
- Clean MVR | 5+ years CDL | No lapse in prior insurance
- Dash cam & ELD | Safety program | Fleet 3+ vehicles
Why choose Jaikar for trucking
- Specialists in FMCSA, CA DMV MCP, brokers, and factoring companies
- We say yes to new authorities and new drivers
- Same-day filings (MCP65, BMC-91X) and same-day COI
- 10+ carriers (Progressive, GUARD, Canal, Great West, and more)
- Based in Corona (Inland Empire trucking hub)
- English, Punjabi, and Hindi | Free DOT compliance guidance and accident claim support
Fast 10-minute quote: DOT/MC #, driver DOB & CDL, truck VIN, and type of haul. Start a trucking quote →