Commercial Trucking & Transportation Insurance | Smart Options Insurance Agency — Peoria, AZ

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Commercial Trucking & Transportation Insurance

Coverage Built for the Miles You Run.

Q: How much does commercial trucking insurance cost in Arizona?

Cost depends on radius of operation, commodities hauled, driving history, DOT/CSA scores, equipment value, and limits. Single-truck owner-operators with new authority typically pay more than established fleets with clean losses. As an independent agency we shop multiple A-rated trucking carriers to find the lowest rate for your specific operation.

Q: What insurance do owner-operators with their own authority need?

FMCSA-required primary auto liability (commonly $750,000–$1,000,000 depending on freight type) plus federal filings such as the MCS-90. Most owner-operators also carry motor truck cargo, physical damage, and general liability. We handle the state and federal filings.

Q: What does non-trucking liability (bobtail) insurance cover for leased-on drivers?

Bobtail / non-trucking liability covers leased-on owner-operators while driving without an active dispatch — the time a motor carrier's policy typically won't cover. Most lease agreements require it.

Q: Do I need motor truck cargo insurance for a box truck or hot shot business?

If you haul freight for hire — box truck delivery, hot shot, last-mile, or long-haul — shippers and brokers will almost always require motor truck cargo insurance, commonly at $100,000 in limits, covering the load against collision, fire, theft and other covered losses.

Q: Can a new venture or first-year trucking company get insured?

Yes. New authority insurance costs more in year one, but we work with carriers that specialize in new ventures. We get filings active quickly so you can book loads, then re-shop your policy as you build clean operating history.

Q: How fast can I get a trucking insurance quote and my FMCSA filings done?

Most quotes come back the same business day with your DOT/MC number, driver info, and equipment list. After binding, federal filings like the MCS-90/BMC-91 are typically submitted electronically to the FMCSA right away.

Q: Which states does Smart Options write trucking and transportation insurance in?

We are licensed in Arizona, California, Indiana, Michigan, Oregon, Washington, and Wisconsin, with our office in Peoria, Arizona — and we insure interstate operations running nationwide routes.

From single-truck owner-operators to growing fleets, Smart Options matches your operation to the right protection — and shops top-rated carriers to get you there at the best price.

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FMCSA filings handled — MCS-90, BMC-91 & state filings
Primary liability, cargo, physical damage & non-trucking liability
20+ years protecting transportation businesses

Get Your Trucking Quote

Fast, no-obligation. A licensed agent responds same business day.

20+

Years of experience

States licensed

100%

Independent & on your side

1–50+

Power units covered

Coverage Lineup

Protection for Every Mile and Every Load

The transportation industry is broad — what you haul, where it goes, and how it gets there all change the risk. We build a program around your operation instead of forcing you into a one-size policy.

01 Primary

Primary Liability

Meets FMCSA and state requirements for bodily injury and property damage you're legally responsible for on the road.

02 Truck

Physical Damage

Repairs or replaces your tractor and trailer after collision, fire, theft, or vandalism — for single trucks or full fleets.

03 Cargo

Motor Truck Cargo

Covers the freight you're hauling against loss or damage, with limits matched to high-value loads and theft risk.

04 Bobtail

Non-Trucking Liability

Protects leased-on owner-operators when driving without a dispatch — the gaps a motor carrier policy leaves open.

05 Swap

Trailer Interchange

Coverage for trailers in your care under an interchange agreement that you don't own outright.

06 Biz

General Liability & Workers' Comp

Protects your terminal, employees, and the business end — plus logistics, cyber, and EPLI coverage where it fits.

Equipment & Operations

The Trucks and Risks We Cover

Every operation runs different equipment and carries different exposure. Here's a sample of the transportation risks Smart Options writes across Arizona and beyond.

Long-haul Freightliner tractor pulling a refrigerated reefer semi-trailer on Interstate 90

Refrigerated Long-Haul

Long-Haul Power Unit & Reefer

Over-the-road tractors pulling refrigerated trailers — primary liability, physical damage and motor truck cargo for temperature-sensitive loads.

Tri-axle dump truck used for hauling sand and gravel

Aggregate & Construction

Sand, Gravel & Dump Haulers

On-road and off-road exposures for sand, aggregate and construction-material hauling.

Car carrier truck transporting multiple vehicles on a highway

Vehicle Transport

Auto Haulers & Car Carriers

On-hook and cargo protection for the vehicles you move, single-car to full stinger rigs.

Tow truck carrying a vehicle on a city street

Roadside Operations

Tow & Recovery Trucks

On-hook, garagekeepers and wrecker liability for towing and repossession fleets.

Lawn & Tree Crews

Landscaping Trucks & Trailers

Trucks, trailers, mowers and tools — plus liability for the crews and job sites you run.

Passenger Care

Non-Emergency Medical Transport

Livery-plated NEMT vans and wheelchair-accessible fleets carrying passengers with care.

Black stretch limousine used for chauffeured livery service

Chauffeured Transport

Livery Operations

Limo, black car, shuttle and chauffeured passenger operations with the right liability limits.

Vehicle photos: Wikimedia Commons & Pexels — free for commercial use. Landscaping slide is a branded placeholder ready for your photo.

Who We Insure

One Truck or a Hundred — We've Got a Market

A company hauling one load a short distance has very different needs than a fleet moving high-value freight cross-country. We tailor coverage to your exact operation.

Owner-OperatorsSingle-truck & leased-on

For-Hire FleetsLocal, regional & long-haul

Private CarriersHauling your own goods

Box Trucks & VansLast-mile & delivery

Passenger TransportCharter bus, limo, shuttle

Livestock & PetsSpecialty haul coverage

Refrigerated / ReeferTemperature-sensitive loads

Logistics & WarehousingBrokers & storage exposure

The Smart Options Difference

Specialized Insurance That Gets to the Heart of Your Business

Interstate, intrastate, and intercontinental hauls each carry their own exposures. Because we're independent, we compare top-rated transportation carriers and build a program around what you actually do — not a generic template.

From physical damage on your own equipment to fleet programs, cargo theft protection, and logistics coverage for when a shipment is delayed or a connection is missed, we cover the road ahead and the business behind it.

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Commercial truck on the highway insured by Smart Options Insurance Agency in Arizona

Why Choose Us

Our Experience. Your Advantage.

We Work for You

Independent agents who compare top-rated carriers to land the right coverage at the best price.

Experience That Delivers

Over two decades protecting transportation businesses, families, and companies across the country.

Personalized Support

We take time to learn your operation and explain options clearly — no jargon, no pressure.

Licensed Across States

Serving clients in Arizona, California, Indiana, Michigan, Oregon, Washington, and Wisconsin.

Service Area

Trucking Insurance Where You Operate

Headquartered in Peoria, Arizona and licensed to serve transportation businesses across seven states. Wherever your routes run, a licensed Smart Options agent is ready to help.

Arizona California Indiana Michigan Oregon Washington Wisconsin

Local roots in the Phoenix metro — Peoria, Glendale, Surprise, Scottsdale, Avondale, and the greater Maricopa County area — with the reach to cover your interstate routes.

Questions, Answered

Trucking Insurance FAQ

How much does commercial trucking insurance cost in Arizona?

Commercial truck insurance cost depends on your radius of operation, what you haul, driving history, DOT/CSA scores, equipment value, and limits. A single-truck owner-operator with new authority typically pays more than an established fleet with clean losses. Because we're an independent agency, we shop multiple A-rated trucking insurance carriers to find the lowest rate for your specific operation — request a free commercial trucking insurance quote and we'll show you real numbers, not guesses.

What insurance do owner-operators with their own authority need?

Owner-operators running under their own MC authority need FMCSA-required primary auto liability — commonly $750,000 to $1,000,000 depending on freight type — plus federal filings such as the MCS-90. Most also carry motor truck cargo insurance, physical damage coverage on the tractor and trailer, and general liability. We handle the state and federal filings and build an owner-operator insurance package around what you haul.

What does non-trucking liability (bobtail) insurance cover for leased-on drivers?

Non-trucking liability, often called bobtail insurance, covers leased-on owner-operators while driving without an active dispatch — the personal or non-business use time your motor carrier's policy typically won't cover. It's an affordable gap-filler most motor carriers require in the lease agreement.

Do I need motor truck cargo insurance for a box truck or hot shot business?

If you haul freight for hire — box truck delivery, hot shot trucking, last-mile, or long-haul — shippers and brokers will almost always require motor truck cargo insurance, commonly at $100,000 in limits. It protects the load against collision, fire, theft and other covered losses, with limits and commodities matched to what you transport, including refrigerated and high-value freight.

Can a new venture or first-year trucking company get insured?

Yes. New authority trucking insurance costs more in year one, but we work with carriers that specialize in new ventures and first-year owner-operators. We'll help you get your filings active quickly so you can start booking loads, then re-shop your policy as you build a clean operating history to bring the premium down.

How fast can I get a trucking insurance quote and my FMCSA filings done?

Most quotes come back the same business day once we have your DOT/MC number, driver info, and equipment list. After you bind coverage, federal filings like the MCS-90/BMC-91 are typically submitted electronically to the FMCSA right away, with state filings handled as required.

Which states does Smart Options write trucking and transportation insurance in?

We're licensed in Arizona, California, Indiana, Michigan, Oregon, Washington, and Wisconsin, with our office in Peoria, Arizona serving the greater Phoenix metro — and we insure interstate operations running nationwide routes.

Start Your Coverage Today

Insurance Should Give You Confidence, Not Confusion.

Our friendly team helps you find the right protection — quickly, clearly, and stress-free.

Call 480-531-6480
14050 N 83rd Avenue, Suite 290, Peoria, AZ 85381

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Tell us about your operation — we'll do the rest.