Virginia Truck Tractor Insurance

What Truck Tractor Insurance Covers in Virginia

Primary liability is the core coverage for a truck tractor, protecting against bodily injury and property damage you cause to others while hauling. For FMCSA-regulated interstate carriers, the minimum primary liability is $750,000 for general freight, higher for hazardous materials.

Physical damage covers the tractor itself: collision, comprehensive, and in many cases fire, theft, and glass. Motor truck cargo covers the freight in the trailer. Unladen tractor coverage and bobtail liability are separate coverages that matter for owner-operators who lease to carriers.

• Primary auto liability meeting FMCSA minimums
• Physical damage: collision and comprehensive
• Motor truck cargo for the trailer load
• Bobtail liability for unladen travel

Truck Tractor Configurations We Insure

We insure day cabs and sleeper cabs, single-axle and tandem-axle tractors, straight-axle and tag-axle configurations, and specialty tractors for lowboy and heavy haul operations. Owner-operators leasing to a motor carrier and carriers running their own authority both have different coverage structures that we navigate routinely.

FMCSA Requirements for Truck Tractors

Every interstate for-hire motor carrier operating a truck tractor needs FMCSA operating authority, a USDOT number, and a BOC-3 process agent filing. The MCS-90 endorsement guarantees public liability. Primary liability minimums depend on commodity: $750,000 for general freight, $1 million for oil, $5 million for certain hazmat.

Owner-operators leased to a carrier operate under the carrier's authority but should confirm whether their own policy or the carrier's policy is primary during loaded, empty, and bobtail miles.

What Affects Your Truck Tractor Premium

The tractor's value, haul radius, commodity class, driver CDL experience, MVR history, and whether the tractor is operated under a lease or the operator's own authority all affect pricing.

• Tractor value and configuration
• Commodity: general freight, hazmat, heavy haul
• Owned authority vs. lease arrangement
• Driver CDL class and MVR history

How to Get a Truck Tractor Insurance Quote

Have your tractor's year, make, model, and VIN; your USDOT and MC numbers; the commodity you haul; and any prior loss history ready.

Call (703) 551-2000 or request a quote online. We quote trucking liability the same day in most cases.