Ohio Truck Insurance

Strong Insurance is a truck insurance agency that is licensed to provide insurance to Ohio owner operators and fleet owners. We only work with businesses that require commercial auto insurance, so we are familiar with what type of coverage is needed to operate and run effectively.

Helping Ohio Truck Drivers Get Better Protection & More Affordable Insurance

Commercial truck insurance is required by law in the state of Ohio. Drivers who operate a commercial motor vehicle must have sufficient liability coverage for bodily injury (BI) and property damage (PD). Semi-trucks and other heavy hauling rigs are the perfect business in Ohio, you are close to the middle of the country which means you have the availability to travel east or west in a shorter amount of time. This can help out with your insurance rates because of the distance you are traveling. Whether you are a long-haul driver or a local farm dump truck driver, Strong Insurance has got great insurance markets to get you the coverage needed.

State specific information:

Cost Of Truck Insurance In Ohio

The average insurance premium in the state of Ohio is $15,000 per truck annually. There are a variety of factors that play a role in the rate you will be paying and the average concludes the lowest as well as the highest. Some factors include the size, weight, and value of the truck, as well as the driving history and credit score of the driver.

On average, the premium will generally range from $8,000 to $30,000+. $30,000 is high and one should be advised to try alternative methods like working for a motor carrier before launching their own operation.

Cost Factors:

• Value of the vehicle.
• What kind of construction work or material handling do you do with it.
• Whether or not there's another driver who shares responsibility for operating it.
• How many miles per year (or kilometers) average per month.
• Where you live (i.e., urban vs. rural).

To understand more in-depth about how to save on commercial truck insurance, read through it on our 15 ways to reduce insurance premium for truckers or reach out to an agent at Strong Insurance!

Required Coverages For Operating In Ohio

The type of coverages you'll need depend on the cargo, operating radius, and whether you are local or out-of-state. It is required in the state of Ohio to have commercial auto liability insurance as the primary coverage. Additionally, you will want physical damage, cargo insurance, and uninsured/underinsured (UM/UIM) coverage. More often than not, the shipper, motor carriers, freight brokers, and others involved in your operation will require you to have a specific limit to haul shipments.

Commercial/Primary Auto Liability: Protection for accidents to bodily injury and property damage.

Physical Damage: Helps protect your commercial vehicle in the event that it is damaged. It can help pay for repairs or replacement costs if your truck is involved in an accident. It can also help cover costs related to damages caused by theft, vandalism, or natural disasters.

General Liability: If a person gets hurt around your truck, the delivery of products is damaged, or the driver accidentally causes a slip around the premises. This is highly recommended and in most cases required to operate.

Trailer Interchange: Coverage of physical damage to the trailer being pulled. This is for non-owned trailers' and protects the trailer in the event of a collision, theft, fire, vandalism, and explosion.

Non-Trucking Liability: Helps protect you if you are driving your truck 'off the clock" or for personal reasons. Similarly, this is known as bobtail insurance, while the two are different, this may be required by the motor carrier.

Limits & Areas We Cover

Ohio's minimum personal auto liability limits:

Bodily Injury: $25,000

Property Damage: $25,000

This is not the required limit from the FMCSA. The FMCSA requirements for general freight carriers is $750,000 as a minimum limit. This will usually not suffice for the shippers and others involved in transportation, the recommended minimum liability limit is $1,000,000 and $100,000 in cargo insurance.

Additionally, we recommend obtaining uninsured motorist coverage as part of your policy. This can save you excess liability costs in the event of an accident or claim with an uninsured or underinsured. According to the III (Insurance Information Institute) it is estimated that nearly 13% of drivers in Ohio are uninsured, which means that over 1/10 drivers are driving without insurance. Having UM/UIM coverage on your policy can save you financially and protect your assets in the event of an accident.

Cities in Ohio:

Get A Truck Insurance Quote

Strong Insurance is the best choice for your trucking needs in Ohio. We continue to strive because of our A+ rated carriers. We work with only top-rated carriers, so you know that your coverage will be great! Our team of agents can get you a quote today and help find the right policy for your business.

It’s all about finding what works best for each individual business and to make sure you feel confident in your decision to choose Strong Insurance. Call us today at 308-430-1953 or get a get a quote online!

Ohio Commercial Trucking Resources

Ohio Department of Transportation

Ohio Department of Insurance

Ohio Trucking Association

• Ohio Box Truck Insurance
• Ohio Dump Truck Insurance
• Ohio Flatbed Truck Insurance

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