Kentucky 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 run the Southeast and Midwest regionally or go nationwide, your policy is in one place.
Kentucky punches above its weight in freight. Louisville is home to UPS Worldport, one of the largest air cargo hubs in the world, which feeds enormous truck volume in and out of the area. I-65 runs north to south through Louisville, I-75 cuts through Lexington, and I-64 connects the state east to west. Automotive plants and suppliers across the state generate steady auto freight, and the Ohio River supports barge-to-truck transfer work. Kentucky truckers move time-sensitive freight on tight schedules, and their insurance has to be solid.
Coverage built for Kentucky truckers
- Primary auto liability. Interstate truckers need federal limits, and Kentucky brokers typically require $1,000,000. We keep your filings current so a paperwork lapse never costs you a load.
- Motor truck cargo. Automotive parts, air cargo transfers, and general freight each carry different values and handling needs. $100,000 cargo is the standard broker requirement, and we can place higher limits where the freight demands it.
- Physical damage. Full coverage on your tractor and trailer protects against collision and non-collision losses, including the winter weather that hits northern Kentucky and the river corridors.
- Non-trucking liability (bobtail). Leased to a carrier and running personal miles around Louisville or Lexington? This covers you off dispatch.
- Trailer interchange. Swapping trailers at air cargo facilities, automotive plants, and drop lots makes interchange coverage important for many Kentucky drivers.
- Workers comp and occupational accident. Kentucky requires workers comp for most employers. Solo owner-operators typically carry occupational accident instead. We will help you sort out what your operation actually needs.
- General liability. Covers loading, unloading, and premises exposures at plants, warehouses, and cargo facilities across the state.
New authority in Kentucky
- BMC-91 filing. Your liability insurer files proof of insurance with the FMCSA. We handle the filing so your new authority activates cleanly.
- UCR registration. Kentucky 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 most Kentucky brokers require $1,000,000 liability and $100,000 cargo. Quoting the minimum and finding out nobody will load you is a costly mistake for new Kentucky authorities.
What truck insurance costs in Kentucky
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. Kentucky pricing note: the Louisville metro’s dense freight activity and congestion can push liability pricing above the rural state average, while truckers based in smaller Kentucky towns often see friendlier rates. Your record, radius, and cargo move the number most.
Cities we serve across Kentucky
- Louisville. Home to UPS Worldport air cargo hub, with massive truck volume on I-65 and I-64.
- Lexington. Automotive and manufacturing freight in central Kentucky on I-75 and I-64.
- Bowling Green. Automotive plant freight in south-central Kentucky on I-65.
- Covington. Northern Kentucky freight across the river from Cincinnati on I-71 and I-75.
- Owensboro. Manufacturing and Ohio River freight in western Kentucky.
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 Kentucky?
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 Kentucky?
For interstate general freight, federal law requires $750,000 in liability. Household goods carriers need $300,000. In practice, most Kentucky brokers require $1,000,000 liability and $100,000 cargo.
I just got my MC number. Can you insure a new authority in Kentucky?
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 Kentucky if I am an owner-operator with no employees?
Kentucky requires workers comp for most employers. Solo owner-operators without employees generally carry occupational accident coverage instead, though some broker contracts ask for comp anyway. We will help you figure out what applies.
I run automotive freight. Does that change my coverage needs?
Automotive freight often means strict shipper requirements, tight delivery windows, and higher cargo values on parts loads. We make sure your cargo limits and liability filings meet what the automotive shippers and brokers actually demand.
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
