Interactive Actuarial Rate Estimator
2026 Commercial Truck Insurance Cost Calculator
Estimate annual and monthly commercial auto liability ($750k–$1M BMC-91X), motor truck cargo ($100k), and physical damage premiums based on fleet size, operating radius, cargo risk class, and USDOT authority age.
2 Units
1 Owner-Operator10 Small Fleet25 Mid Fleet50+ Commercial
Estimated 2026 Policy RangeIncludes BMC-91X + MCS-90
Est. Monthly Payment
$1,600–$2,483/mo
Per Power Unit / Year
$9,600–$14,900
Total Fleet Annual
$19,200–$29,800
Instant FMCSA Filing • Save Up To 28%
Lock In Exact Underwriting Quotes for Your Fleet
Est. Annual Market Benchmark:$19,200 – $29,800/yr