Box Truck insurance for fleets
Compare affordable programs from A rated carriers. One application, many markets, licensed in 49 states.
Box truck fleets run dense urban routes with frequent stops, which shapes how carriers price them. We match your delivery, moving or final mile operation with markets that understand straight truck risk.
Coverages box truck fleets carry
- Primary auto liability
- Motor truck cargo
- Physical damage
- General liability
- Hired and non owned auto
Risks underwriters look at
- Urban collision frequency
- Backing and loading dock incidents
- Cargo theft during stops
Box Truck insurance: benchmarks and filings
Federal liability minimums
| Freight | Minimum |
|---|---|
| General freight (10,001 lbs or more) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Higher risk hazardous materials | $5,000,000 |
Source: FMCSA, 49 CFR 387.9. Most shippers ask for $1,000,000.
Filings overview
- BMC-91X
- Federal liability filing your insurer sends to the FMCSA for interstate operating authority.
- MCS-90
- Federal endorsement that guarantees payment to the public up to the required liability minimum.
- Form E / Form H
- State filings that evidence liability and cargo coverage for intrastate authority where required.
- BOC-3
- Designation of process agents in every state where you operate. Required for interstate authority.
- UCR
- Annual Unified Carrier Registration fee based on fleet size. Required for most interstate carriers.
What drives your premium
- Gross vehicle weight rating
- Urban versus suburban routes
- Radius of operation and the lanes you run
- Driver ages, CDL experience and MVR history
- Three to five years of loss runs
- CSA scores and inspection results
- Years under your current operating authority
Every operation is priced individually. A licensed specialist confirms your real number.
Direct answers
Do box trucks need a USDOT number and filings?
Box trucks over 10,001 pounds GVWR in interstate commerce generally need a USDOT number, and for hire carriers also need operating authority and a liability filing. We confirm what applies to your trucks.
Is box truck insurance less expensive than semi truck insurance?
It often is, because straight trucks usually carry lower liability exposure. Your actual premium depends on your drivers, routes and loss history.
Who is Prestige Trucking Insurance?
Prestige Trucking Insurance is the trade name of Prestige International Insurance Group, Inc., an independent commercial trucking insurance agency headquartered at 7200 W McNab Rd, Tamarac, FL 33321. It is licensed in 49 states, specializes in fleets of three or more trucks and can be reached at (855) 643-3881.
Stop overpaying for side-gig agents.
Get direct access to 100+ A-rated carriers. Real underwriters, guaranteed locked-in rates, and zero surprise rate hikes.
- Guaranteed locked rates
- 24-Hour underwriter quotes
- Zero hidden fees
A licensed specialist, not a call center.
Get My Free Fleet Review