If you're a trucker or fleet owner operating in Florida, one of the biggest questions on your mind is probably: “How much does tractor trailer insurance cost?”
Whether you're an owner-operator or managing a fleet, understanding insurance costs is essential—not just for budgeting, but for protecting your equipment, cargo, and livelihood.
At Commercial Pro Shield Insurance, we help Florida truckers get the right coverage at the right price. Let’s break down what you can expect to pay and what factors influence those numbers.
Average Cost of Tractor Trailer Insurance in Florida
In Florida, the average cost of tractor trailer insurance ranges from $10,000 to $20,000 per truck, per year. This is based on standard coverage for:
Primary Liability
Physical Damage Coverage
Motor Truck Cargo Insurance
Non-Trucking Liability (Bobtail)
Trailer Interchange (if needed)
However, some new CDL holders or high-risk drivers may see rates closer to $25,000+, while experienced, clean drivers with good safety records might pay under $10,000 annually.
What Affects Your Tractor Trailer Insurance Cost in Florida?
Several key factors determine how much you'll pay:
Driving History & CDL Experience More years behind the wheel = lower risk = better rates.
Type of Cargo Hazardous materials or high-value cargo raise premiums.
Operating Radius Are you running local, intrastate, or long-haul across multiple states?
Vehicle Type & Value Newer rigs cost more to insure due to replacement cost.
DOT Safety Record Your SAFER score and inspection history impact your risk profile.
Coverage Limits Higher limits = more protection, but also more premium.
Location & Garaging Zip Code Urban areas like Miami or Tampa may have higher rates due to traffic and theft risk.
Florida-Specific Insurance Requirements
Florida requires a minimum of $750,000 in primary liability coverage for most commercial trucks operating across state lines. However, many brokers and shippers now require $1 million minimum to do business.
If you’re hauling cargo or operating under your own authority, you’ll also need:
Cargo insurance (often $100K minimum)
General liability (especially if you lease on)
Physical damage coverage for your truck/trailer
How Commercial Pro Shield Insurance Can Help
At Commercial Pro Shield Insurance, we specialize in tractor trailer insurance solutions for Florida’s trucking professionals. Whether you're brand new or switching providers, we help you:
Shop rates from multiple A-rated carriers
Customize a policy to fit your routes, freight, and budget
Save money with discounts for safe driving, ELD use, and more
Stay compliant with DOT, FMCSA, and state regulations
We’re not a big-box insurer. We’re real people who understand your business and work hard to protect it.
Ready to Get a Quote?
Getting a quote is fast, free, and personalized. Click here to request a tractor trailer insurance quote from Commercial Pro Shield Insurance, or give us a call at (239) 288-0656 to speak with a trucking insurance specialist.
Final Thoughts
The cost of tractor trailer insurance in Florida isn’t one-size-fits-all—but the right coverage can mean the difference between a minor setback and a major financial disaster.
Let Commercial Pro Shield Insurance help you stay on the road, protected and confident.