California Insurance
Your trucking business doesn’t need to settle for a general agency when you can work with a specialized transportation insurance professional. Coast Transport Insurance Service is an independent insurance agency with more than 40 years of experience focusing on the transportation industry. We know this industry inside and out, and can help you find the best policy, at the best price, for your trucking business.
We know that saving money on operating expenses like insurance is important to you. You also need confidence that your policy and agency are behind you. That’s why we work with the best insurance companies to offer competitive truck insurance rates for California truckers.
We have always been a small business who put our customers first. When you call for a quote, you will talk to a real person to get answers to your questions, and to help you find the best policy. We can usually get a quote back to you the same day you call.

California insurance questions for California truckers
What is California's big rig auto liability limit?
California's auto liability limit for big rigs is $750,000. There are a lot of factors that go into a big rig truck insurance rate. This includes, type of truck, garaging location, radius, age of driver, driving record, value of the truck and dot history, to name a few.
What kind of insurance do i need for a semi truck in California?
Semi truck insurance is under the umbrella of commercial auto. California require a minimum auto liability limit of $750,000 to be considered legal. Other coverages are available and may be required from your broker. This could include, truckers general liability, physical damage coverage on a none-owned trailer or motor truck cargo coverage.
Why is truck insurance so expensive?
The main reason California insurance for truckers can be expensive is due to the potential impact or damage the vehicle can cause. Hence, why the California requires semi truck operator to carrier a minimum auto liability limit of $750,000.
California insurance filings for commercial truckers
Having a commercial truck insurance and being legal are two different things. You want to make sure your trucking company is following the rules and regulations of the California Department of Transportation (Caltrans) and Federal Motor Carrier Safety Administration (FMCSA). The Caltrans and FMCSA both require insurance filings and/or endorsements on your truck insurance policy. We can make sure you get the correct insurance coverages to stay in compliance with California and the federal government regulations.
MCP-65 filing is a certificate of insurance that must be sent to the California DMV as proof that your auto liability limit meet the minimum requirement of $750,000.
The MCP-65 filing has to come directly from the insurance company.
The BMC-91 filing is a guarantees to the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.
An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.

Truck insurance coverages we can write in California
We can tailor a commercial truck insurance package to your needs, anything from liability only to get you on the road, to full coverage.
Liability Coverages
- Auto Liability
- General Liability
- Bobtail Liability
- Non-Trucking Liability
- Uninsured Motorist
Vehicle Coverages
- Physical Damage
- Collision
- Comprehensive
- Fire and Theft with CAC
Truck Specific Coverages
- Motor Truck Cargo
- Motor Truck General Liability
- Trailer Interchange
- Rental Reimbursement with Downtime
Driver Coverages
- Medical Payments
- Personal Injury Protection
Towing Specific Coverages
- Garagekeepers Legal Liability
- On-Hook Towing
Specialty Truck Coverages
- Any Auto
- Hired Auto
- Non-Owned Auto
Commercial truck insurance we can write in California
We can insure almost any type of commercial truck out there. Below are the most common we see.
- Auto Haulers
- Agriculture Haulers
- Box Trucks
- Bulk Cement Haulers
- Dump Trucks
- General Freight Haulers
- Heavy Machinery Haulers
- Hot Shot Trucks
- Livestock Haulers
- Logging Trucks
- Produce Haulers
- Tow Trucks

We can write truck insurance in all cities in California
No matter what city you operate from, we can help put a competitive commercial truck insurance package together for you. We can help all areas in California, including…
- Madera
- Manteca
- Merced
- Modesto
- Monterey Park
- Moreno
- Moreno Valley
- Palm Desert
- Palm Springs
- Palmdale
- Perris
- Pomona
- Rancho Cucamonga
- Redding
- Rialto
- Riverside
- Roseville
- Sacramento
- Salinas
- San Bernardino
- San Diego
- San Francisco
- San Gabriel
- San Jose
- Santa Ana
- Santa Barbara
- Santa Clara
- Santee
- Santa Rosa
- South Gate
- Stockton
- Sun Valley
- Sunnyvale
- Ventura
- Van Nuys
- Victorville
- Visalia
- Walnut Creek
- Watsonville
- West Covina
- Whittier
- Wilmington

Resources for California Truckers
California Trucking Association (CTA)
The California Trucking Association advocates, promotes and defends California’s trucking industry.
California Department of Transportation (Caltrans)
The California Department of Transportation oversees California’s infrastructure mainly roads, underpasses and highways.
California Department of Insurance (CDI)
California Department of Insurance is the regulatory body that oversees the California insurance industry.
Federal Motor Carrier Safety Administration (FMCSA)
Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States. Their job is to keep our roads and highways safe.
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