Insurance estimator

Ballpark your dump truck insurance

Liability + cargo + physical damage for a single-truck operation, adjusted by state, truck class, experience, and operating radius. Use this as a sanity check before quoting brokers.

Your operation

Estimated annual premium
$4,909–$9,310
Midpoint ~$7,110
Baseline (Texas)
$5,800–$11,000/yr for a single tandem

Estimate combines liability, cargo, and physical damage for a single-truck operation. Quote 3 brokers (Progressive Commercial, TIS, IAT) for real numbers.

The right coverage, not the cheapest

Module 2 covers the exact coverage limits GCs require, how to structure additional insureds, and the two riders most agents forget to sell you.

Enroll for $39
7-day refund
What moves the number
  • Under 2 years CDL: +25% (most carriers)
  • Operating radius over 150 miles: +12% (leaves short-haul exemption)
  • Clean MVR & CSA: −8%
  • Metro base zip (Houston, Miami, NYC, LA): +10–20% on top of the state baseline

Related: Starting a dump truck business in Texas