Wisconsin 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 Wisconsin is one of them.
Wisconsin freight runs on I-90 and I-94 connecting Chicago to Minneapolis through the southern part of the state, with I-39 and I-43 feeding the rest. Milwaukee and Madison anchor manufacturing and distribution, the dairy industry keeps reefer trucks busy year round, and paper and food processing add steady freight. It is a state where winter weather is a fact of life for truckers.
Coverage built for Wisconsin truckers
- Primary liability. Wisconsin interstate carriers need the federal minimums filed to keep authority active, and $1,000,000 liability is what brokers expect. We make sure your filings match your operation, whether you run the Chicago to Minneapolis corridor or stay regional.
- Cargo coverage. Dairy, food products, paper, and manufacturing freight all move through Wisconsin. $100,000 cargo is the standard broker requirement, and for reefer work we pay special attention to reefer breakdown coverage so a unit failure does not become a total loss.
- Physical damage. Wisconsin winters are hard on equipment, and lake-effect snow and ice cause real losses every year. We set your stated value honestly and pick a deductible you can afford, so winter damage does not put you out of business.
- Non-trucking liability. If you are leased to a carrier, this covers you off dispatch, running personal miles or heading home. A small premium that closes a gap every leased driver has.
- Trailer interchange. Drop-and-hook work around Milwaukee distribution and Chicago corridor relays means pulling other companies’ trailers. Interchange coverage protects you while that trailer is in your care.
- Workers comp / occupational accident. Wisconsin’s workers comp rules generally apply when you have employees. Leased-on owner-operators usually carry occupational accident instead. We will sort out which one you need based on your setup.
- General liability. Food processors, paper mills, and shippers sometimes require general liability beyond your trucking policy. If your customer asks for it, we add it.
New authority in Wisconsin
- 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 yourself.
- Your UCR registration. Wisconsin 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 freight 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 Wisconsin
A typical owner-operator running a full package (liability, cargo, physical damage) in Wisconsin usually lands around $12,000 to $18,000 per year. New authority carriers usually pay $18,000 to $30,000 or more in the first year. Wisconsin-specific note: winter weather exposure can nudge premiums up for carriers running year round in the state, while reefer work sometimes prices a bit higher because of the added equipment breakdown and spoilage exposure.
Cities we serve across Wisconsin
- Milwaukee the state’s biggest freight market, with manufacturing and distribution on I-94 and I-43.
- Madison on the I-90/I-94 corridor with food processing and regional distribution.
- Green Bay with paper industry and food processing freight.
- Kenosha on the I-94 corridor between Milwaukee and Chicago with distribution freight.
- Eau Claire in western Wisconsin with manufacturing and regional freight on I-94.
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 Wisconsin?
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 lanes drive the final number.
What are the minimum insurance limits in Wisconsin?
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 Wisconsin?
Yes. We insure new authority carriers in Wisconsin regularly. Expect higher first-year premiums and carry $1,000,000 liability and $100,000 cargo so you can book good freight.
Does Wisconsin require workers comp for truck drivers?
Wisconsin’s workers comp rules generally apply when you have employees. Most leased-on owner-operators carry occupational accident coverage instead. We will sort out which one you need based on your setup.
I run reefer in Wisconsin. What should my policy include?
Reefer breakdown coverage is the big one. If your unit fails and the load spoils, standard cargo coverage may not pay. We make sure reefer truckers carry the right breakdown and spoilage protection.
How fast can I get covered?
Usually we can 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
