Georgia truck insurance from people who only insure trucks

State & Co Insurance LLC is a family-owned independent agency, and trucking insurance is all we do. Since 2010 we have worked with more than 15 A-rated carriers, and we are licensed in 34 states, Georgia included. We write trucking policies every day, so the coverage you get is built for the freight you actually haul.

Georgia is one of the strongest freight states in the Southeast. The Port of Savannah is one of the busiest container ports on the East Coast, driving constant drayage and intermodal work on I-16 and I-95. Atlanta is a massive distribution hub where I-75, I-85, and I-20 meet, with Hartsfield-Jackson moving air cargo on top of it. Manufacturing, agriculture, and film and logistics growth around the metro keep flatbed, reefer, and dry van freight steady across the state.

Coverage built for Georgia truckers

  • Primary auto liability. The federal minimum is $750,000 for general freight, but Georgia brokers and shippers typically require $1,000,000.
  • Cargo insurance. $100,000 is the standard broker requirement. Port drayage operators around Savannah should review theft, pilferage, and container handling terms.
  • Physical damage. Covers your tractor and trailer for collision, theft, fire, and storm damage. Make sure stated values reflect what the equipment is actually worth.
  • Non-trucking liability (bobtail). For non-dispatch use of the truck, like running home to Macon between loads.
  • Trailer interchange. Very common on Savannah port drayage and Atlanta intermodal work, where you are pulling chassis and trailers owned by someone else.
  • Workers comp / occupational accident. Georgia generally requires workers comp once you have three or more employees. Owner-operators commonly carry occupational accident coverage instead.
  • General liability. Covers off-the-road exposures such as loading dock incidents and customer premises work.

New authority in Georgia

  1. BMC-91 filing. FMCSA requires your insurer to file proof of liability coverage before your MC number goes active. We handle that filing when we write your policy.
  2. UCR registration. Georgia interstate carriers must complete Unified Carrier Registration each year and pay based on fleet size.
  3. Minimum limits warning. The $750,000 federal minimum activates your authority, but Georgia brokers, especially around the port and the Atlanta market, will expect $1,000,000 liability and $100,000 cargo before they tender freight.

What truck insurance costs in Georgia

A typical owner-operator full package (liability, cargo, physical damage) runs about $12,000 to $18,000 a year. New authority in the first year is usually $18,000 to $30,000 or more. One Georgia-specific note: port drayage around Savannah can price differently than over-the-road van work because of the congestion and theft exposure at the terminals, so your actual operation matters more than the state average.

Cities we serve across Georgia

  • Atlanta. The Southeast’s biggest distribution hub, where I-75, I-85, and I-20 meet, driving dry van, reefer, and intermodal freight in every direction.
  • Savannah. Home of the Port of Savannah, one of the busiest container ports on the East Coast, with heavy drayage demand on I-16 and I-95.
  • Augusta. Eastern Georgia manufacturing and regional distribution freight on the I-20 corridor.
  • Macon. Central Georgia crossroads where I-75 and I-16 meet, with distribution and agricultural freight.
  • Columbus. Western Georgia manufacturing and military-related freight near the Alabama line.

Why truckers use an independent agent

As an independent agency we work with more than 15 A-rated carriers instead of one company. That means we shop your coverage across the market, match the carrier to the way you actually run, and you talk to the same people when a claim or an audit comes up. We do not answer to a home office quota. We answer to you.

Frequently asked questions

How much does truck insurance cost in Georgia?

Most owner-operators pay $12,000 to $18,000 a year for a full package. First-year new authority typically runs $18,000 to $30,000 or more.

What are the minimum liability limits?

Federal minimums are $750,000 for general freight and $300,000 for household goods. Georgia brokers and shippers almost always require $1,000,000 liability and $100,000 cargo in practice.

I just got my MC number. What do I need to get it active?

An insurance policy with a BMC-91 filing to FMCSA, UCR registration, and your BOC-3. We handle all three as part of setting up your coverage.

Does Georgia require workers comp for my drivers?

Georgia generally requires workers comp once you have three or more employees. Solo owner-operators typically carry occupational accident coverage instead.

I do drayage at the Port of Savannah. What coverage do I need?

Port work usually means trailer interchange coverage for the chassis you pull, plus attention to cargo theft terms and any port authority insurance requirements. Make sure your policy reflects drayage as your actual operation.

How fast can I get covered?

Most quotes come back within one business day, and once you approve the quote we can bind coverage and file your BMC-91 the same day.

State & Co Insurance LLC

11220 Elm Lane Suite 202, Charlotte, NC 28277

(980) 475-8075 | kevin@statecoinsurance.com

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