Indiana 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 owner-operators and small fleets, shopping 15+ A-rated carriers to find coverage that actually fits the way you run. We are licensed in 34 states, so whether you stay regional in the Midwest or run all 48, your policy is in one place.
Indiana calls itself the Crossroads of America, and for trucking that is not just a slogan. I-65, I-70, I-69, and I-74 all cross the state, and Indianapolis sits where several of them meet. Northwest Indiana around Gary moves steel and heavy industrial freight, while Indianapolis and the I-70 corridor carry distribution and manufacturing freight in every direction. Indiana truckers run hard miles on some of the busiest freight lanes in the country, and they need coverage built for that.
Coverage built for Indiana truckers
- Primary auto liability. Interstate truckers need federal limits, and Indiana brokers typically require $1,000,000. We keep your filings current so a paperwork gap never costs you a load.
- Motor truck cargo. Steel, automotive, and general freight out of Indiana can carry high values. $100,000 cargo is the standard broker requirement, and we can place higher limits for heavy or high-value loads.
- Physical damage. Your tractor and trailer are your living. Full physical damage coverage protects them against collision and non-collision losses, including Indiana’s winter weather.
- Non-trucking liability (bobtail). Leased to a carrier and running personal miles around Indianapolis or Fort Wayne? This covers you off dispatch.
- Trailer interchange. If you swap trailers at drop yards or customer locations along the I-70 corridor, interchange coverage keeps you protected on equipment you do not own.
- Workers comp and occupational accident. Indiana requires workers comp for most employers. Solo owner-operators usually carry occupational accident instead, but some broker contracts ask for comp regardless. We help you get it right.
- General liability. Covers the loading, unloading, and premises exposures that come with running freight in and out of Indiana’s industrial corridors.
New authority in Indiana
- BMC-91 filing. Your liability insurer files proof of insurance with the FMCSA. We handle it as part of your startup so your authority activates without delays.
- UCR registration. Indiana participates in the Unified Carrier Registration program. We will flag what is due so your authority stays active.
- Minimum limits warning. Federal minimum is $750,000 for general freight, but Indiana brokers will mostly demand $1,000,000 liability and $100,000 cargo. Quoting the minimum and learning no one will load you is a mistake new Indiana authorities make too often.
What truck insurance costs in Indiana
A typical owner-operator full package runs $12,000 to $18,000 per year, and new authority usually lands between $18,000 and $30,000 or more in the first year. Indiana pricing note: the state sits in a competitive rating territory for many carriers, so Indiana-based truckers often see rates on the friendlier side of the Midwest average. Your record, radius, and cargo still drive the final price.
Cities we serve across Indiana
- Indianapolis. The Crossroads of America, where I-65, I-70, I-69, and I-74 meet, with major distribution freight.
- Gary. Steel and heavy industrial freight in northwest Indiana near the Chicago market.
- Fort Wayne. Manufacturing and automotive freight in northeast Indiana on I-69.
- Evansville. Manufacturing and river freight in southwest Indiana along the Ohio River.
- South Bend. Industrial and distribution freight in northern Indiana on the I-80/90 toll road.
Why truckers use an independent agent
We are independent, which means we shop 15+ A-rated carriers instead of selling one company’s policy. We re-shop your renewals so you are not stuck with a creeping rate. One call handles your changes, certificates, and filings. And when you have a claim, you call us, not a 1-800 number.
Frequently asked questions
How much does truck insurance cost in Indiana?
A typical owner-operator full package runs $12,000 to $18,000 per year. New authority usually costs $18,000 to $30,000 or more the first year. Your record, radius, cargo, and equipment drive the final number.
What are the minimum insurance requirements in Indiana?
For interstate general freight, federal law requires $750,000 in liability. Household goods carriers need $300,000. In practice, most Indiana brokers require $1,000,000 liability and $100,000 cargo.
I just got my MC number. Can you insure a new authority in Indiana?
Yes. New authority is a big part of what we do. We handle the BMC-91 filing, walk you through the startup paperwork, and place you with carriers that write new ventures.
Do I need workers comp in Indiana if I am an owner-operator with no employees?
Indiana requires workers comp for most employers, but solo owner-operators without employees generally carry occupational accident coverage instead. Some broker contracts still ask for comp, and we will help you figure out what applies to you.
I haul steel out of Gary. Anything special about insuring that?
Steel and heavy industrial freight can mean higher cargo values and stricter shipper requirements. We make sure your cargo limits match the loads you actually haul so a high-value coil does not exceed your coverage.
How fast can I get covered?
Most quotes come back within one business day. If your paperwork is in order, we can usually bind coverage and file your BMC-91 within 24 to 48 hours.
State & Co Insurance LLC
11220 Elm Lane Suite 202, Charlotte, NC 28277
(980) 475-8075 | kevin@statecoinsurance.com
