Does Dispatched sell trucking insurance directly?

No. Dispatched is a matching platform. Insurance quotes are placed by our named producer partner — a licensed commercial insurance brokerage that holds the carrier appointments and binds the policies. The producer partner is disclosed at the quote step and is the entity bound to you on the policy. Dispatched is paid a referral fee on bound policies and does not collect premium.

Who is the producer partner?

Coverdash is the licensed producer partner for our trucking insurance funnel. Coverdash is licensed in all 50 states and is appointed with 40+ commercial carriers including Travelers, The Hartford, Nationwide, Chubb, and CNA, plus the trucking-specialty markets writing primary auto liability, motor truck cargo, and physical damage. The producer name and license appear on every quote and policy document.

What types of trucking insurance can I compare here?

The full commercial-trucking stack: primary auto liability, motor truck cargo, physical damage (comprehensive and collision), non-trucking liability (bobtail), trailer interchange, general liability, and workers compensation where applicable. Specialty endorsements like reefer breakdown, pollution liability, and umbrella layers are available through the producer on request.

How do I get a commercial trucking insurance quote?

Submit your DOT number, equipment list, lane footprint, and prior loss runs through the quote engine on this page. The producer pulls quotes from the carriers appointed for your equipment type and operating radius and returns side-by-side options, typically within 1 to 3 business days. You bind directly with the producer once you pick a quote.

Which insurance carriers will my quote come from?

The producer holds appointments with the major commercial trucking carriers — Progressive Commercial, Great West, Berkshire Hathaway GUARD, Canal, Sentry, Travelers, The Hartford, Nationwide, and the specialty MGAs that write higher-risk classes. The full carrier list, AM Best ratings, and the products each carrier writes are at /carriers. Carriers vary by state and DOT class.

Can I get insurance with a new MC authority or accidents on file?

Yes. The producer has carriers that specifically write new authorities (under 12 months) and operations with prior accidents or violations on the loss run. Premiums for these classes are higher than for seasoned, clean-loss operations and the carrier mix is narrower, but coverage is available.

How much does commercial trucking insurance cost?

For a typical owner-operator with active authority running general freight on 100k+ mile lane lengths, total insurance program (primary liability + cargo + physical damage) commonly runs $9,000 to $16,000 per year — but the variance is huge. Premiums move with DOT class, equipment value, lane radius, loss history, and the state's surplus-lines rules. Get a real quote on this page to see your number; we do not publish made-up rates.

Does Dispatched help me file claims?

No. Claims are handled directly between the operator and the carrier on the policy, with the producer facilitating where the policyholder requests it. Dispatched is not a party to the policy and does not adjust claims.

Can I finance the premium?

Yes. Premium financing is standard for commercial trucking policies. The producer offers premium-finance options through the major premium-finance companies (typically 25% down and 9 monthly payments). You can also pay annual or use a working-capital line to fund the premium directly — see /trucking-working-capital.

How fast can I get a Certificate of Insurance?

Once a policy is bound by the producer, COIs are available the same day, often within minutes of binding. The producer can also issue COIs to specific shippers, brokers, or terminal facilities on request.

Commercial trucking insurance

Compare commercial trucking insurance from 30+ carriers.

Primary liability, cargo, physical damage, and the rest of the coverage stack — quoted by our licensed producer partner across the carriers writing your DOT class and your state. Quote in minutes, bind the same day.

Get my quote Call (307) 317-0801

30+Carriers compared
50States licensed
1–3 daysQuotes returned
Same dayBind & COI

How it works

Three steps to coverage.

1
Tell us about your operation
DOT or MC number, equipment list, lane radius, and prior loss runs. Most quotes pull your authority and equipment automatically from FMCSA.
2
Compare carrier offers
Our producer partner pulls quotes from the carriers appointed for your DOT class and state. You see side-by-side limits, deductibles, and premium — typically within 1–3 business days.
3
Bind and get your COI
Pick the quote you want, e-sign with the producer, and the COI is issued the same day. Premium financing available — 25% down with 9 monthly payments is standard.

Get a quote

Quote in minutes.

Quotes are placed by our licensed producer partner. They pull from the carrier panel writing your DOT class in your state and return real, bindable numbers. No fee to quote; no commitment.

Quote with our producer partner

Quotes are placed by our licensed insurance producer partner. Pick the coverage you want priced and you’ll be routed into their quote engine — no application fee, no commitment.

Primary LiabilityFMCSA-mandated for active authorityQuote →Motor Truck CargoRequired by ~95% of broker contractsQuote →Physical DamageRequired if equipment is financedQuote →Non-Trucking LiabilityBobtail coverage for leased operatorsQuote →General LiabilityPremises and contract requirementsQuote →Occupational Accident1099 owner-operator medical / disabilityQuote →

By submitting through the quote engine you agree to the producer partner’s consent and TCPA terms shown on the form. Dispatched is not the producer of record and does not bind coverage.

Coverage products

The seven products operators actually shop for.

Each product links into a deeper hub explaining FMCSA rules, who buys it, and the carriers writing it state by state.

Product	Who needs it	Required by	Typical limit
Primary Liability InsurancePrimary Liability	Every motor carrier with active FMCSA authority. Federally mandated.	FMCSA-mandated	$1M (industry standard)	Details →
Motor Truck CargoCargo	Required by most shippers and brokers as a condition of accepting loads. Standard limit is $100,000 for general freight; reefer and high-value commodities require higher.	Broker / shipper required	$100K (general freight)	Details →
Physical DamagePhysical Damage	Required if your tractor or trailer is financed. Optional but typical on owned equipment.	Lender-required if financed	Stated equipment value	Details →
General LiabilityGL	Often required by terminal access agreements and shipper contracts; complements primary liability for non-truck-operations exposure.	Contract / facility required	$1M / $2M	Details →
Non-Trucking LiabilityNTL / Bobtail	Owner-operators leased onto a motor carrier; the carrier's policy covers loaded dispatch but excludes personal/non-dispatched use.	Lease-required if leased on	$1M	Details →
Occupational AccidentOcc-Acc	Owner-operators classified as 1099 contractors who are excluded from workers' comp; sometimes required by lease agreements.	Often lease-required	$1M / $1.5M	Details →
Reefer Breakdown CoverageReefer Breakdown	Carriers and owner-operators hauling temperature-controlled freight. Standard cargo policies typically exclude reefer-breakdown losses.	Endorsement (cargo)	Per cargo limit	Details →

Carrier panel

Quotes from the carriers writing trucking.

The producer partner is appointed with the major commercial-auto and trucking-specialty carriers. Carrier mix on your quote depends on DOT class, state, and loss history.

Progressive Commercial
Great West
Berkshire Hathaway GUARD
Sentry
Travelers
The Hartford
Nationwide
Chubb
CNA
Canal
Northland
Acuity

See AM Best ratings, parent groups, and product lines per carrier at /carriers.

By state

Trucking insurance by state.

State pages cover the local DOI, surplus-lines rules, and the carriers actively writing your DOT class. We add new states as we extract their public rate filings — pages are not generated until the editorial body is complete.

TexasTX CaliforniaCA FloridaFL IllinoisIL GeorgiaGA

See all states →

FAQ

Common questions about trucking insurance.

Does Dispatched sell trucking insurance directly?: No. Dispatched is a matching platform. Insurance quotes are placed by our named producer partner — a licensed commercial insurance brokerage that holds the carrier appointments and binds the policies. The producer partner is disclosed at the quote step and is the entity bound to you on the policy. Dispatched is paid a referral fee on bound policies and does not collect premium.
Who is the producer partner?: Coverdash is the licensed producer partner for our trucking insurance funnel. Coverdash is licensed in all 50 states and is appointed with 40+ commercial carriers including Travelers, The Hartford, Nationwide, Chubb, and CNA, plus the trucking-specialty markets writing primary auto liability, motor truck cargo, and physical damage. The producer name and license appear on every quote and policy document.
What types of trucking insurance can I compare here?: The full commercial-trucking stack: primary auto liability, motor truck cargo, physical damage (comprehensive and collision), non-trucking liability (bobtail), trailer interchange, general liability, and workers compensation where applicable. Specialty endorsements like reefer breakdown, pollution liability, and umbrella layers are available through the producer on request.
How do I get a commercial trucking insurance quote?: Submit your DOT number, equipment list, lane footprint, and prior loss runs through the quote engine on this page. The producer pulls quotes from the carriers appointed for your equipment type and operating radius and returns side-by-side options, typically within 1 to 3 business days. You bind directly with the producer once you pick a quote.
Which insurance carriers will my quote come from?: The producer holds appointments with the major commercial trucking carriers — Progressive Commercial, Great West, Berkshire Hathaway GUARD, Canal, Sentry, Travelers, The Hartford, Nationwide, and the specialty MGAs that write higher-risk classes. The full carrier list, AM Best ratings, and the products each carrier writes are at /carriers. Carriers vary by state and DOT class.
Can I get insurance with a new MC authority or accidents on file?: Yes. The producer has carriers that specifically write new authorities (under 12 months) and operations with prior accidents or violations on the loss run. Premiums for these classes are higher than for seasoned, clean-loss operations and the carrier mix is narrower, but coverage is available.
How much does commercial trucking insurance cost?: For a typical owner-operator with active authority running general freight on 100k+ mile lane lengths, total insurance program (primary liability + cargo + physical damage) commonly runs $9,000 to $16,000 per year — but the variance is huge. Premiums move with DOT class, equipment value, lane radius, loss history, and the state's surplus-lines rules. Get a real quote on this page to see your number; we do not publish made-up rates.
Does Dispatched help me file claims?: No. Claims are handled directly between the operator and the carrier on the policy, with the producer facilitating where the policyholder requests it. Dispatched is not a party to the policy and does not adjust claims.
Can I finance the premium?: Yes. Premium financing is standard for commercial trucking policies. The producer offers premium-finance options through the major premium-finance companies (typically 25% down and 9 monthly payments). You can also pay annual or use a working-capital line to fund the premium directly — see /trucking-working-capital.
How fast can I get a Certificate of Insurance?: Once a policy is bound by the producer, COIs are available the same day, often within minutes of binding. The producer can also issue COIs to specific shippers, brokers, or terminal facilities on request.

How we compare

Methodology, not marketing.

Premium ranges on this site are sampled from public state DOI filings against named operator profiles. We do not invent rates and we do not paraphrase regulators. Where we have not yet extracted a filing for a given state-product-class combination, the page says so plainly. Every carrier listing on /carriers carries the date its AM Best rating was last verified.

Read the full rate methodology →

Dispatched is a comparison and matching platform operated by TCopyCats LLC dba Dispatched. Coverage is placed by our licensed producer partner and bound by carriers. Dispatched is not a carrier, is not the producer of record, and does not bind coverage. Quote submissions are routed to the producer partner under one-to-one consent disclosed at the quote step.