COVERAGE BUILT FOR THE ROAD AHEAD

We help keep your trucks protected, your business compliant, and your operations moving forward with confidence.

Get Your Commercial Trucking Insurance Quote

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CONTACT US

Let’s Build Your Protection strategy—together.

At ARX Group Insurance, we believe every great partnership starts with a conversation.

Whether you are looking for better protection, exploring coverage options, reviewing your current policy, or preparing your business for future growth—our team is ready to help.

Insurance can feel complex.

We make it simple.

Clear advice.
Tailored solutions.
Trusted guidance.

And most importantly—a partner who genuinely understands what is at stake.

Request a Insurance Quote

Let’s Talk About Your Goals

Tell us what you need.

Whether you are:

starting a new trucking business,

expanding your fleet,

reviewing your current insurance,

or looking for smarter commercial coverage,

our team is here to guide you every step of the way.

Call Now

Your Future Deserves Stronger Protection

You’ve worked too hard to leave your future exposed.

Let’s build a smarter protection plan—designed specifically for your business, your risks, and your goals.

Contact ARX Group Insurance today.

Let’s build your financial fortress — together.

Request Your Personalized Quote

Frequently Asked Questions

Common Questions Answered for your convenience.

How much does commercial trucking insurance cost?

Premiums vary based on your truck type, cargo, driving history, years under authority, coverage limits, and territory. Owner-operators with clean records hauling general freight typically see primary liability premiums ranging from $5,000 to $30,000 or more annually. Hazmat carriers, new authorities, and drivers with violations will pay higher rates. The most accurate way to know your number is a free quote from ARX — we shop multiple carriers to find your best rate.

What insurance is legally required to operate a commercial truck?

FMCSA requires all interstate motor carriers to carry minimum primary liability insurance. For general freight carriers, the federal minimum is $750,000. Hazmat haulers face requirements from $1,000,000 to $5,000,000 depending on the commodity.

Can I get covered with a new authority?

Yes. ARX Group works with carriers who specialize in new authority programs. Rates for new authorities are typically higher because there is no established loss history, but we regularly find competitive options and get new operators compliant from day one. Don't let a lack of experience stop you from calling us.

How quickly can I get a certificate of insurance?

In many cases, we can bind coverage and issue a certificate of insurance the same day you request a quote — sometimes within a few hours. For complex risks or specialty programs, it may take 24 to 48 hours. Call us directly at 463-315-3777 if you have an urgent timeline.

What is the difference between cargo insurance and physical damage insurance?

Physical damage covers your truck itself — protection against collision, theft, fire, hail, and other damage to your vehicle. Cargo insurance covers the freight you haul—protection against damage, theft, or loss of the goods in your care. They cover two completely different things, and most shipper contracts and broker agreements require you to carry both..

What happens to my coverage if I get into an accident with a bad driving record?

Your policy doesn't disappear the moment you have an incident—but your record does affect what happens next.

If you're involved in an at-fault accident, your insurer will handle the claim according to your policy terms. What changes is what happens at renewal.