Louisiana 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 Gulf region or go nationwide, your policy is in one place.
Louisiana is built around the movement of goods. The Port of New Orleans and the ports along the Mississippi River move container, breakbulk, and bulk freight that all needs trucks on the last leg. The petrochemical corridor between New Orleans and Baton Rouge generates steady tanker and hazmat work, and I-10 carries freight east to west across the entire Gulf Coast. Louisiana truckers deal with port schedules, industrial freight, and hurricane season, and they need an agent who understands all three.
Coverage built for Louisiana truckers
- Primary auto liability. Interstate truckers need federal limits, and Louisiana brokers typically require $1,000,000. We keep your filings current so your authority never stalls over paperwork.
- Motor truck cargo. Port freight, petrochemical products, and general freight each carry different cargo considerations. $100,000 is the standard broker requirement, and we can place higher limits for specialized or high-value loads.
- Physical damage. Hurricane season and Gulf Coast flooding are real exposures in Louisiana. Full physical damage coverage protects your tractor and trailer against collision and weather-related losses.
- Non-trucking liability (bobtail). Leased to a carrier and running personal miles around New Orleans or Baton Rouge? This covers you off dispatch.
- Trailer interchange. Port work often means pulling chassis and trailers you do not own. Interchange coverage is close to essential for Louisiana port truckers.
- Workers comp and occupational accident. Louisiana requires workers comp for most employers. Solo owner-operators typically carry occupational accident instead. We will help you sort out what your operation needs.
- General liability. Covers loading, unloading, and premises exposures at ports, terminals, and industrial facilities.
New authority in Louisiana
- 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. Louisiana 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 Louisiana brokers require $1,000,000 liability and $100,000 cargo, and port work can demand more. Quoting the minimum and finding out nobody will load you is a costly mistake for new Louisiana authorities.
What truck insurance costs in Louisiana
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. Louisiana pricing note: the state tends to rate on the higher side nationally for commercial auto liability, so Louisiana-based truckers should expect quotes above the national average. Port and hazmat work can add to it. Your record, radius, and cargo still drive the final number.
Cities we serve across Louisiana
- New Orleans. The Port of New Orleans and Gulf container freight, with I-10 running east to west.
- Baton Rouge. Petrochemical corridor freight and Mississippi River industrial work on I-10 and I-12.
- Shreveport. Northwest Louisiana freight hub on I-20 with manufacturing and distribution.
- Lafayette. Energy and industrial freight in south-central Louisiana on I-10.
- Lake Charles. Petrochemical and port freight in southwest Louisiana on I-10 near the Texas line.
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 Louisiana?
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. Louisiana tends to rate above the national average for commercial auto liability, so expect that to show in your quote.
What are the minimum insurance requirements in Louisiana?
For interstate general freight, federal law requires $750,000 in liability. Household goods carriers need $300,000. In practice, most Louisiana brokers require $1,000,000 liability and $100,000 cargo, and port terminals can require more.
I just got my MC number. Can you insure a new authority in Louisiana?
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 Louisiana if I am an owner-operator with no employees?
Louisiana requires workers comp for most employers. Solo owner-operators without employees generally carry occupational accident coverage instead, though some broker and port contracts ask for comp anyway. We will help you figure out what applies.
I do port work out of New Orleans. Anything special I need?
Port work often means TWIC-related terminal access, chassis and interchange exposures, and stricter insurance requirements from the terminals and steamship lines. We make sure your interchange coverage and limits meet what the port actually demands.
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
