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Operating a trucking business in Tennessee comes with opportunities and serious responsibilities. Whether you run long-haul operations on I-40, manage regional deliveries from Nashville to Knoxville, or operate a small hot shot trucking fleet in rural Tennessee, having the right commercial trucking insurance is essential. Unexpected accidents, cargo damage, liability claims, and compliance issues can create costly setbacks. The right insurance plan ensures your business stays protected, compliant, and profitable.
This Tennessee location page provides a detailed overview of commercial trucking insurance in Tennessee, the required coverages, specialized protection options, and how a customized policy helps trucking companies operate confidently on the road.
Tennessee is one of the most active commercial trucking hubs in the Southeast, connecting major interstate corridors like:
These roadways handle thousands of commercial vehicles daily, increasing exposure to accidents, breakdowns, and liability risks. Whether you haul freight locally within Tennessee or operate as a multi-state carrier, your trucking operation needs coverage that addresses state regulations, federal compliance (FMCSA), cargo risks, vehicle damage, and liability protection.
A well-designed Tennessee commercial trucking insurance policy protects your drivers, assets, and business from financial losses while helping you meet DOT and FMCSA requirements.
Trucking companies in Tennessee must meet both state-specific and federal insurance requirements, depending on the type of operations and cargo they haul. Mandatory coverages include:
Tennessee law requires trucking companies to carry Primary Liability Insurance, which covers bodily injury and property damage caused by your truck. FMCSA sets liability limits based on cargo type and weight, typically ranging from $750,000 to $1,000,000, with higher limits for hazardous materials.
To operate legally, your insurer must submit required filings such as:
These filings confirm that your trucking company meets Tennessee and federal insurance requirements.
While not mandatory, it is essential. Covers:
It ensures you can repair or replace your truck without major financial strain.
Protects the freight you transport. Tennessee carriers handling consumer goods, auto parts, agricultural products, retail shipments, or industrial equipment rely on Motor Truck Cargo Insurance to cover losses due to accidents, theft, or spoilage.
Our Tennessee commercial trucking insurance solutions are designed to support a wide range of fleets and vehicle types operating across the state. Whether you specialize in long-haul transport, construction logistics, agricultural hauling, or last-mile delivery, we provide tailored coverage to protect your business at every mile.
We offer insurance for a diverse range of trucking segments and vehicles, including:
No matter your size—one truck or a large commercial fleet—you can get coverage that meets Tennessee state laws and FMCSA requirements.
Insurance costs in Tennessee vary depending on:
On average, Tennessee trucking insurance can range from:
Every policy is customized based on your operational needs.
Our goal is to help Tennessee truckers stay protected, stay compliant, and stay on the road without disruptions.
Whether you are a small owner-operator in Knoxville or manage a fleet across Memphis, Nashville, and Chattanooga, having strong Tennessee commercial trucking insurance is essential to protect your business from financial risks. With the expertise of Alvix Insurance Group, you can secure reliable coverage tailored to your trucking needs and fully compliant with state and FMCSA requirements.
Ready to secure your trucking business?
Get a trucking insurance quote today.
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