Richmond, VA
Truck Insurance in Richmond, VA
Looking for truck insurance in Richmond, VA? We quote owner-operators, small fleets, box trucks and hot shots based in Richmond with 15+ trucking carriers.
The Richmond trucking market
About 67% of active carriers based in Richmond run a single power unit, and the most common freight listed on their FMCSA records includes general freight, bldgmat, construct and paperprod. Richmond sits on the I-95, I-81 and I-64 network that moves most Virginia freight.
Insurers Richmond carriers use
The most common current insurers among Richmond-based carriers are Agency Insurance Company Of Maryland, Inc, Progressive Northern Insurance Company, Great West Casualty Co. and Geico Marine Insurance Company. We quote many of the same markets plus others, so you can see how your renewal compares.
Coverage for Richmond truckers
- Truck insurance: liability with filings, cargo and physical damage for owner-operators.
- Trucking insurance for Richmond fleets, with driver approvals and certificates.
- Box truck insurance, CDL and non-CDL, for local and final-mile work.
- Hot shot insurance for pickup and trailer setups.
What Richmond freight means for your policy
General freight cargo
Most brokers want $100,000 cargo for general freight. Check the excluded commodities on any quote.
Hazmat limits
Hazmat loads can require $1M to $5M in liability under federal rules, so we confirm your commodity before quoting.
FAQs
What drives truck insurance prices in Richmond?
Garaging address, radius, cargo, authority age and driving records. Richmond trucks running I-95 and I-81 lanes are priced on those factors like anywhere else, but carriers weigh local claim costs differently, so quotes can vary a lot.
Can I get box truck insurance in Richmond without a CDL?
Yes, for trucks rated 26,000 lbs or less, as long as drivers meet the carrier's experience guidelines.
When should Richmond carriers start shopping their renewal?
About 45 to 60 days before renewal. Right now 57 carriers based in Richmond have policies renewing in the next 90 days.
Other Virginia cities
*From public FMCSA data via Insight Carrier, refreshed daily. Last update 11/14/2026.