Utah 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 helped owner-operators and small fleets get covered right, and we shop 15+ A-rated carriers to find the right fit instead of the first quote. We are licensed in 34 states, and Utah is one of them.
Utah sits at the crossroads of the West. I-15 runs north to south through Salt Lake City, and I-80 cuts east to west, making Salt Lake City one of the most important freight crossroads in the Mountain West. Mining, construction, and regional distribution drive truck demand across the state, and long-haul freight passes through Utah in every direction.
Coverage built for Utah truckers
- Primary liability. Utah interstate carriers need the federal minimums filed to keep authority active, and $1,000,000 liability is what brokers want to see. With long mountain runs and heavy regional freight, we make sure your liability fits the work you do.
- Cargo coverage. Construction materials, mining-related freight, and general goods all move through the state. $100,000 cargo is the standard broker requirement, and we check your policy for exclusions that could hurt you on your regular loads.
- Physical damage. Mountain passes, winter storms, and high winds are part of trucking in Utah. We set your stated value honestly and choose a deductible you can afford, so a weather wreck does not end your business.
- Non-trucking liability. If you are leased to a carrier, this covers you when you are off dispatch, running personal miles or heading home. A small premium that fills a gap every leased driver has.
- Trailer interchange. Salt Lake City’s crossroads position means plenty of drop-and-hook and relay work. Interchange coverage protects you while you are pulling someone else’s trailer.
- Workers comp / occupational accident. Utah’s workers comp rules generally apply when you have employees. Leased-on owner-operators usually carry occupational accident instead. We will tell you which one your operation needs.
- General liability. Mines, construction sites, and shippers sometimes require general liability beyond your trucking policy. If the job calls for it, we add it.
New authority in Utah
- Your BMC-91 filing. We file your proof of insurance with the FMCSA so your new authority activates cleanly. You do not have to sort out the paperwork.
- Your UCR registration. Utah interstate carriers register under the Unified Carrier Registration every year. We will make sure it stays on your radar.
- Watch the minimum limits trap. Federal minimum is $750,000 liability for general freight, but new authority carriers on minimums will find the good loads closed off. Plan on $1,000,000 liability and $100,000 cargo so brokers take you seriously from day one.
What truck insurance costs in Utah
A typical owner-operator running a full package (liability, cargo, physical damage) in Utah usually lands around $12,000 to $18,000 per year. New authority carriers should expect $18,000 to $30,000 or more in the first year. Utah-specific note: heavy exposure to winter mountain driving can nudge premiums up for carriers running the high passes year round, while steady regional work out of the Salt Lake City metro tends to price in the normal range.
Cities we serve across Utah
- Salt Lake City at the crossroads of I-15 and I-80, one of the West’s most important freight hubs.
- West Valley City in the Salt Lake metro with distribution and industrial freight.
- Ogden north of Salt Lake City with rail intermodal and manufacturing freight.
- Provo on the I-15 corridor with manufacturing and regional distribution.
- St. George in southern Utah on the I-15 corridor with regional freight.
Why truckers use an independent agent
We are independent, which means we shop your coverage across 15+ A-rated carriers instead of selling you one company’s policy. We re-shop your renewals so you are not stuck overpaying year after year. One call to us handles certificates, endorsements, and policy changes. And when something goes wrong, you call us, not a 1-800 number. We know your name and your operation.
Frequently asked questions
How much does truck insurance cost in Utah?
Most owner-operators pay $12,000 to $18,000 per year for a full package. New authority carriers usually pay $18,000 to $30,000 or more in year one. Record, equipment, cargo, and operating area all matter.
What are the minimum insurance limits in Utah?
Federal rules require $750,000 liability for general freight and $300,000 for household goods for interstate carriers. Brokers typically want $1,000,000 liability and $100,000 cargo.
Can I get insurance with a brand new MC number in Utah?
Yes. We insure new authority carriers in Utah regularly. Expect higher first-year premiums and carry $1,000,000 liability and $100,000 cargo so you can book good freight.
Does Utah require workers comp for truck drivers?
Utah’s workers comp requirements generally apply when you have employees. Most leased-on owner-operators carry occupational accident coverage instead. We will point you the right way based on your setup.
I run mountain passes in winter. Does that affect my insurance?
Winter mountain driving means more exposure, and underwriters factor it in. A clean record and solid safety practices are the best way to keep your premium in check in this territory.
How fast can I get covered?
We can usually quote you the same day and bind coverage within 24 to 48 hours. Call (980) 475-8075 and we will get started.
State & Co Insurance LLC
11220 Elm Lane Suite 202, Charlotte, NC 28277
(980) 475-8075 | kevin@statecoinsurance.com
