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If you’re an owner-operator or run a small fleet, insurance is one of your biggest fixed costs. So what should you budget for commercial truck insurance in 2026? Understanding Commercial Truck Insurance Costs in 2026 The short answer: $8,000 to $16,000 per year for a single semi-truck. However, this is a wide range. Your actual premium depends on eight key factors. Here’s the breakdown. 2026 Average Commercial Truck Insurance Costs | Coverage Type | Average Annual

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Read below for an important update regarding upcoming changes to the FMCSA Licensing & Insurance (L&I) systems that will impact insurance filings. Transition to the New MOTUS Platform Effective end of business on May 14, 2026, the FMCSA L&I systems will be taken offline indefinitely as the agency transitions to its new MOTUS platform. Shutdown Information Date & Time: FMCSA’s legacy filing system will be shut down on Thursday, May 14 at 8:00 PM ET. No Filing Capability: There

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