What’s the Best State for Truck Insurance

Choose Best State to start Trucking Insurance

Last Modified: July 12, 2023

The number one Truck Insurance question asked by new Owner Operators and Motor Carriers is…

What’s the Best State for me to set up my Truck Insurance?

U.S. Map of Best States for Truck Insurance
U.S. Map of Best States for Truck Insurance

Before Covid we saw an increase in the number of Owner Ops establishing their own USDOT Motor Carrier Authorities with some flexibility on states.  Since then insurance providers have added more sophisticated algorithms that affect Owner Operator Van and Truck Insurance.

Prior data in “Best States for Truck Insurance Rates” no longer applies without understanding these 3 important tips:


  1. You’ll need a physical address where you actually live in that state, along with proof.
  2. Your vehicle(s) also need to be registered and garaged in that state, along with proof.
  3. Your driver’s license needs to be in that state, and in most cases all other drivers as well.


So if you are looking for new Cargo Van Insurance or Sprinter Van Insurance, be sure to solve these 3 issues before you shop for your Commercial Truck Insurance.  The same rules apply to Box Straight Truck Insurance and Hot Shot Insurance.


[Related Story – Save Money on your New Motor Carrier Truck Insurance with these 9 Questions.]


Insurance underwriters like stable insureds with good track records that help predict safe future risk exposure.  When insurance companies receive multiple quote requests from the same entity with different scenarios their “gamer radar” goes off which tends not to be to your advantage:)

Instead, if you’re new to trucking…wherever you live…please stay put.

Work with a Professional Truck Insurance Broker to start your new truck insurance policy who knows the ropes.  She knows what impacts your truck insurance premium the most and will work to save you money.

Establish a steady stream of freight, drive safely for 2 years, and you will have SO many more insurance options.

Then if you wish to relocate your transition to the new state will be much easier and cost effective for you.

Before you start spinning your wheels learn some quick basics with Commercial Truck Insurance 101 or watch CIS Understanding Commercial Truck Insurance videos.

CIS Trucker Turtle explains Truck Insurance
CIS Trucker Turtle explains Truck Insurance



  • 2002 Founder and CEO of Commercial Insurance Solutions, Inc., Shelly Benisch specializes in providing Commercial Truck Insurance for owner operators and small motor carriers. Both CIS and TRS certified, She also writes a free educational trucking insurance advice blog dedicated to the little guy.

  • Executive Director of Commercial Insurance Solutions, Inc., Christina Cummings leads her team in providing the best Truck Insurance with the best rates for Owner Operators and small Motor Carriers. Christina is TRS certified as a Transportation Risk Specialist. She is your "go to" person at CIS with questions, tips and networking opportunities in our trucking and expediting community.

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