Florida Truck Insurance Pricing for 1–9 Unit Fleets: The Pricing Guide
Florida highway at night showing interstate trucking operations
If you operate a 1–9 unit trucking company in Florida, you’ve probably noticed one thing:
Florida truck insurance pricing feels higher and harder to navigate than most states.
Based on our CRM data at Aronson Group, that feeling is justified.
How Much Does Truck Insurance Cost in Florida?
Florida highway traffic representing truck insurance cost factors
What Our WON Data Shows (Florida Policies That Bound)
For Florida-based trucking companies:
1-truck operations that successfully bound insurance averaged mid-to-high $14,000s per truck
2–4 truck fleets averaged ~$12,000 per truck
5–9 truck fleets typically landed in the $12,000–$13,000 per truck range
Florida consistently prices above the national average, especially for owner-operators and new ventures.
Why Is Florida Truck Insurance So Expensive?
From our LOST deal analysis, Florida pricing pressure comes from three main factors:
Litigation-heavy environment: Florida auto liability exposure is one of the toughest in the country.
New venture penalties: Many Florida owner-operators are under 2 years in business, which sharply increases pricing.
Operation mix: Florida sees a high volume of:
interstate freight
box trucks
expedited / hotshot-style work, these operations trigger tighter underwriting.
Florida LOST Deals: Where Pricing Breaks Down
Truck insurance premium calculation for Florida owner-operators
Florida LOST deals show:
Average quoted premiums near $18,000–$20,000 per truck
Several owner-operators walking away due to price, not lack of interest
Higher failure rates for hotshot and box truck operations
In Florida, single-truck deals usually fail when pricing crosses a psychological threshold not because drivers don’t want coverage.
What Florida Truckers Should Know
Florida truck driver reviewing insurance coverage on tablet
Florida is not a “one-carrier” state market access matters
Timing is critical; late renewals hurt leverage badly
New ventures should plan insurance strategy before month 18
If you’re a Florida trucker paying $15,000+ per truck, your pricing deserves a second look.