Michigan 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 Great Lakes region or cross into Canada, your policy is in one place.
Michigan is the heart of the American auto industry, and trucks keep it moving. Detroit and the surrounding metro generate enormous automotive parts and finished vehicle freight, with suppliers spread across the state. I-75 runs north to south through Detroit, I-94 connects Detroit to Chicago, and I-69 serves the eastern part of the state. The Ambassador Bridge and the Detroit-Windsor Tunnel make Michigan one of the busiest truck border crossings with Canada in the country. Michigan truckers deal with just-in-time automotive schedules, cross-border paperwork, and serious winter weather.
Coverage built for Michigan truckers
- Primary auto liability. Interstate truckers need federal limits, and Michigan brokers typically require $1,000,000. We keep your filings current so your authority never stalls over paperwork.
- Motor truck cargo. Automotive parts, expedited freight, and general freight each carry different values and handling needs. $100,000 cargo is the standard broker requirement, and we can place higher limits for high-value auto freight.
- Physical damage. Michigan winters are among the toughest on equipment in the country. 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 Detroit or Grand Rapids? This covers you off dispatch.
- Trailer interchange. Swapping trailers at automotive plants, border staging areas, and drop lots makes interchange coverage important for many Michigan drivers.
- Workers comp and occupational accident. Michigan 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 plants, warehouses, and border facilities across the state.
New authority in Michigan
- 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. Michigan 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 Michigan 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 Michigan authorities.
What truck insurance costs in Michigan
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. Michigan pricing note: Michigan has a reputation for high commercial auto rates, and Detroit metro garaging can price above the state average. Cross-border operations into Canada need to confirm their policy covers Canadian miles, which we handle up front. Your record, radius, and cargo still drive the final number.
Cities we serve across Michigan
- Detroit. The auto industry capital, with automotive freight on I-75 and I-94 and the busy Canadian border crossings.
- Grand Rapids. Manufacturing and distribution freight in western Michigan on I-96.
- Warren. Automotive plant and supplier freight in the Detroit metro.
- Lansing. Central Michigan manufacturing freight at the crossroads of I-69 and I-96.
- Flint. Automotive and manufacturing freight in eastern Michigan on I-75 and I-69.
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 Michigan?
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. Michigan tends to rate on the higher side for commercial auto, especially around Detroit.
What are the minimum insurance requirements in Michigan?
For interstate general freight, federal law requires $750,000 in liability. Household goods carriers need $300,000. In practice, most Michigan brokers require $1,000,000 liability and $100,000 cargo.
I just got my MC number. Can you insure a new authority in Michigan?
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 Michigan if I am an owner-operator with no employees?
Michigan 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 cross into Canada regularly. Does my policy cover that?
It can, but it has to be set up correctly. Canadian miles need to be reflected in your filings and your policy needs to extend coverage across the border. Tell us about your cross-border runs up front and we will make sure the policy and paperwork match.
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
