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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