Maryland 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 I-95 corridor regionally or go nationwide, your policy is in one place.
Maryland is a freight gateway. The Port of Baltimore moves containers, autos, and bulk cargo that all need trucks, and the I-95 corridor through Baltimore is one of the busiest freight lanes on the East Coast. The Baltimore-Washington metro generates enormous distribution and last-mile transfer freight, and I-70 and I-68 connect Maryland westward into the Midwest. Maryland truckers run dense, congested corridors with high freight values, and their insurance has to match.
Coverage built for Maryland truckers
- Primary auto liability. Interstate truckers need federal limits, and Maryland brokers typically require $1,000,000. We keep your filings current so your authority never stalls over paperwork.
- Motor truck cargo. Port containers, autos, and general freight moving through Baltimore carry real values. $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 the I-68 corridor through western Maryland.
- Non-trucking liability (bobtail). Leased to a carrier and running personal miles around Baltimore or the DC suburbs? This covers you off dispatch.
- Trailer interchange. Port drayage and container work around Baltimore means pulling chassis and trailers you do not own. Interchange coverage is close to essential for Maryland port truckers.
- Workers comp and occupational accident. Maryland 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 the port, warehouses, and distribution centers across the state.
New authority in Maryland
- 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. Maryland 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 Maryland 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 Maryland authorities.
What truck insurance costs in Maryland
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. Maryland pricing note: the dense I-95 corridor and Baltimore metro congestion push liability pricing above the national average for Maryland-based operations. Truckers garaged in western Maryland often see friendlier rates. Your record, radius, and cargo still drive the final number.
Cities we serve across Maryland
- Baltimore. The Port of Baltimore and the I-95 corridor, with container, auto, and bulk freight.
- Columbia. Distribution and warehousing freight in central Maryland between Baltimore and Washington.
- Frederick. Western Maryland freight hub on I-70 with distribution and manufacturing.
- Hagerstown. Major trucking crossroads on I-70 and I-81 in western Maryland.
- Salisbury. Eastern Shore agriculture and food processing freight on US-50.
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 Maryland?
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. The I-95 corridor congestion means Maryland-based operations often price above the national average.
What are the minimum insurance requirements in Maryland?
For interstate general freight, federal law requires $750,000 in liability. Household goods carriers need $300,000. In practice, most Maryland 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 Maryland?
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 Maryland if I am an owner-operator with no employees?
Maryland 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 run the I-95 corridor through Baltimore. Does congestion affect my rates?
Yes. Dense traffic, tight delivery windows, and higher accident frequency on the I-95 corridor all factor into how carriers price Maryland risk. A clean driving record matters a lot here, and we shop carriers that rate corridor exposure fairly.
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
